If the loan principal is 20 years and the term is 5 years, the repayment method of equal principal and interest shall be adopted according to the benchmark annual interest rate of China People's Bank for 3-5 years (including 5 years), and the monthly payment is 37,565,438+0.38; Total repayment: 225,082.94; Total interest: 25,082.94; Using the average capital repayment method, the monthly payment is decreasing, such as the first phase: 4125; Subsequently, the amount of each installment decreases in turn:13.438+09; Total repayment: 22,465,438+045.83; Total interest: 24 145.83.