Matching principal and interest method: loan principal: 200,000 yuan, assuming annual interest rate: 4.900%, loan term: 65,438+04, monthly repayment amount of principal and interest: 65,438+0,647.47 yuan, total repayment amount: 276,774.96 yuan, and total interest payable: 76,774.96 yuan. The interest paid in 1 month is: 816.67; The repayment of the principal in the 1 month is: 830.8; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)