According to the current benchmark interest rate of bank loans, there are two repayment methods for loans of 200,000 yuan and mortgage 10 year. Monthly payments are as follows:

Matching principal and interest repayment method:

The total loan is 200,000 yuan.

Number of repayment months: 120 months

The monthly repayment is 2 160.63 yuan.

A total of 59,275.46 yuan of interest was paid.

The total principal and interest is 259,275.46 yuan.

Average capital repayment method:

The total loan is 200,000 yuan.

Number of repayment months: 120 months

The repayment in the first month is 2566.67 yuan.

Decreasing monthly: 7.50 yuan

Total interest paid is RMB 54,450.00.

The total principal and interest is 254,450.00 yuan.