The benchmark interest rate for commercial loans is 4.9%, and the 25-year commercial loan is 1.65 million. If the repayment method of equal principal and interest is selected, the average monthly repayment and interest is 95,498.85 yuan, and the total interest is1.21.495,438+0.3 yuan. If you choose the average repayment method, you will repay the principal and interest in the first month, and then reduce it by 22.46 yuan per month. The total interest will be 65438 yuan +0065438 yuan +03993.75 yuan, which is 200960.38 yuan less than the equal principal and interest method.