Matching principal and interest method: loan principal: 65,438+0,300,000, assuming annual interest rate: 4.557% and loan term: 30 years; Monthly repayment of principal and interest: 66,365,438+0.065,438+0 yuan, and total repayment with interest: 238,765,438+063.6 yuan, * *. The interest paid in 1 month is: 4936.75; The first 1 month principal repayment is:1694.26; 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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In the first ten years, * * * needs to be returned:

Months paid: 120, * * interest 494500. 1, * * principal 43320, residual principal 86680, residual interest 329 1.22.

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Before 15, you need to return a * * *.

Payment months: 180, * * interest 667702.24, * * principal 649980, residual principal 650020 and residual interest 2468.45.

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In the first 20 years, * * * needs to be returned.

Payment months: 240, * * * interest 79 1537.7, * * principal 866640, residual principal 43360, residual interest 1645.68.

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The first 25 years need to be paid back.

Months paid: 300, * * * paid interest 866007. 16, * * paid principal 1083300, paid residual principal 2 16700, and paid residual interest 822.92.