Scheme 1: 40% down payment, 279 yuan per month for the first 1 1 month, 60,000 yuan for the second month, and the total interest for two years is about 3,600 yuan (included in the monthly payment).

Option 2: The other option is 50% down payment, and the monthly payment is about 1, 800. After the final payment is settled in the third year, the interest for two years is about 4,800 yuan (including monthly repayment).