Matching principal and interest method: interest rate is 4.900%, term is 5 years, loan principal is 200,000, monthly repayment is 3,765.09, total repayment is 225,905.4, and total interest is 25,905.4; Interest paid in the first month: 8 16.67, and principal paid in the first month: 2948.42; Repay the interest in the second month: 804.63, and repay the principal in the second month: 2960.46, regardless of the midway interest rate adjustment.