The loan is 350,000 yuan, with an annual interest rate of 4.65, and the loan is 12 years. The equal amount of principal and interest is paid to 3 176.0 1 yuan every month, with a total repayment of 457,300 yuan and interest of107,300 yuan.

The average capital repays the principal of RMB 2,430.56 per month.

The repayment in the first month is 3,786.81yuan, with a monthly decrease of 9.42 yuan.

The total repayment amount is 448,300 yuan, and the interest paid is 98,300 yuan.