Matching principal and interest method: loan principal: 80,000 yuan, assuming annual interest rate: 4.750%, loan life: 2 years; Monthly repayment of principal and interest: 3500.76 yuan, total principal and interest: 84,065,438 yuan +08.24 yuan, total interest payable: 4,065,438 yuan +08.24 yuan.
The interest paid in 1 month is: 316.67; The first 1 month principal repayment is: 3184.09; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)