Matching principal and interest method: loan principal: 140000, assuming annual interest rate: 4.900%, loan life: 15 years; Monthly repayment of principal and interest: 65,438+0099.83 yuan, and total repayment of principal and interest: 65,438+097,969.4 yuan, * *. The interest paid in 1 month is: 571.67; The first 1 month principal repayment is: 528.438+06; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)

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The number of return months is 36 months; * * * Repayment interest 19 156.34, * * Repayment principal 20437.54, remaining principal 1 19562.46, and interest of the last installment 488.22 (without considering the adjustment factor of midway interest rate)//Now it needs to be paid off: