20 years: equal monthly payment, the monthly repayment amount is 2320.45438+the total interest paid by 0 yuan is 246,898.65 yuan, totaling 556,898.65 yuan. Repayment shall be reduced month by month, with the repayment of 2983.75 yuan in the first month and 7.05 yuan in monthly reduction, and the total interest paid is 203,896.04 yuan. The total principal and interest is 565,438+03,896.04 yuan, 65,438+05 yuan: the repayment is equal every month, and the monthly repayment is 2,708.96 yuan, and the total interest paid is 65,438+077 yuan. 6 12.99 yuan, the total principal and interest is 4876 12.99 yuan, the repayment in the first month is 34 14.3 1 yuan, the total interest paid is 9.40 yuan, and the total principal and interest is 463 133.54 yuan. 65,438+033.54 yuan 65,438+00 years: equal repayment every month, that is, equal repayment of principal and interest, that is, the borrower repays the loan principal and interest at the same amount every month, and the monthly loan interest is calculated according to the remaining loan principal at the beginning of the month and settled every month. The monthly repayment is RMB 3,527.88, and the total interest is RMB113,345.47. The total principal and interest is 423,345.47 yuan. Monthly repayment is the average capital repayment method, that is, the principal remains unchanged, the interest decreases month by month, and the monthly repayment amount decreases; Because the monthly repayment amount is fixed and the interest is getting less and less, the lender is under great pressure to repay at first, but as time goes on, the monthly repayment amount is getting less and less. The repayment in the first month is 4,275.42 yuan, with a monthly decrease of 14. 10 yuan. Total interest paid is102,371.04 yuan, and total principal and interest is 412,371.04 yuan.