According to the meaning of the question, the loan principal is 200,000 yuan.

5% interest, that is, monthly interest rate =0.55%.

Monthly interest = principal * monthly interest rate

Substituting the data in the question, we can get the formula:

Monthly interest = 200,000 * 0.55% =1100.

According to the meaning of the question, it will be returned after five years.

Then the monthly repayment principal = 200,000/12/5 = 3,333.33 yuan.

Then the total monthly repayment amount = 3333.33+1100 = 4433.33 yuan.

Extended data:

Matters needing attention in loan:

1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.

2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.

3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.

4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.