The total loan amount is 380,000.00 yuan.

Number of repayment months:1August

The monthly repayment is 2985.26 yuan.

Total interest paid 157346.44 yuan.

The total principal and interest is 537,346.44 yuan.

Reduce the monthly repayment

The total loan amount is 380,000.00 yuan.

Number of repayment months:1August

The repayment in the first month is 3662.78 yuan.

Decreasing monthly: 8.62 yuan

Total interest paid 140425.83 yuan.

The total principal and interest is 520,425.83 yuan.