Legal analysis: the equal principal and interest repayment method is calculated according to the benchmark interest rate of 4.9%, with an average monthly repayment of 4,223.02 yuan and total interest of 106763.5438+04 yuan. At present, PBOC has announced the benchmark annual interest rate of loans: 0-6 months (including 6 months), with an annual interest rate of 4.35%; 6 months to 1 year (inclusive), with an annual interest rate of 4.35%; 1 to 5 years (including 5 years), with an annual interest rate of 4.75%; ; 5 to 30 years (including 30 years), with annual interest rate of 4.90%; The loan interest rate needs to be comprehensively priced in combination with business varieties, credit status, guarantee methods and other factors, and can only be determined after approval by the handling outlets.

Legal basis: Article 675 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall repay the loan within the agreed time limit. If the term of the loan is not agreed or clearly agreed, and cannot be determined according to the provisions of Article 510 of this Law, the borrower may return it at any time; The lender may urge the borrower to return it within a reasonable period of time.