According to the repayment method of equal principal and interest, the interest is calculated first, and the interest =60 (ten thousand) *30 (year) *5.39% (interest rate) = 970,200 yuan.

Repay on a monthly basis, and the matching principal and interest are the same as monthly repayment. And there are 12 months in a year, so 30 years is 30 years * 65438+February =360 months. Then the interest to be repaid every month is: 970200÷360=2695 yuan. The principal needs to be repaid, so it needs to be repaid 600,000 yuan /360 = 1 666.666 yuan per month.

Then it needs to be repaid every month: monthly principal+monthly interest = 2695+1666.66 = 4361.66 = yuan. In other words, you need to repay the principal and interest every month.