In fact, many banks have calculators on their pages, which can be calculated according to different grades, uses and interest rates. Every bank will be a little different. This is for your reference. There should be little difference.

1. Equal principal and interest method, three years: 65438 yuan +05265438 yuan +0.65438 yuan +00 yuan per month, 65438 yuan +02765438 yuan +0.65438 yuan in the first month and 250 yuan in the last period. Five years: the monthly payment is 966.64 yuan, the principal of the first month is 765,438+06.64 yuan, and the interest is 250 yuan. The principal of the last installment is 9,665,438+0.83 yuan, and the interest is 4,865,438+0 yuan. The total principal for three years is 50,000 yuan, and the interest is 7998.43 yuan. 2. Average capital method, three years: the monthly principal is 65,438+0,388.89 yuan, the interest in the first month is 6.94 yuan, and the total principal in three years is 50,000 yuan and the interest is 4,625 yuan. Five years: the monthly principal is 833.33 yuan, the interest in the first month is 250 yuan, and the interest in the last period is 4. 17 yuan. The total principal for three years is 50,000 yuan and the interest is 7,625 yuan. 3. The repayment cost in average capital is lower.

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