The loan is p>24, yuan, with a term of 2 years. The repayment amount will vary according to different repayment methods. Usually, there are two ways: equal principal and interest repayment and equal principal repayment. The details are as follows: If the latest interest rate is 5.9%, the monthly repayment amount is as follows:

1. Equal principal and interest: the total loan amount is 25,. yuan, and the repayment months are

.

2. average capital: the total loan amount is 25,. yuan, the repayment period is

24 months, and the repayment in the first month is 2,27.83 yuan, with a monthly decrease of 5.12 yuan. The total interest paid is 148,114.58 yuan, and the total principal and interest is 398,114.58 yuan.

The interest rate of regular bank loans varies according to different banks, different loan items and loan periods. At present, the benchmark interest rate of RMB loans is 4.35% for loans within six months (including six months). The annual interest rate of loans from six months to one year (including one year) is 4.35%; The annual interest rate of loans for one to three years (including three years) is 4.75%; The annual interest rate of loans for three to five years (including five years) is 4.75%; The annual interest rate of loans for more than five years is 4.9%.

according to the regulations of the people's bank of China, the loan interest rate of each bank can freely fluctuate, so the loan interest rate of each bank's loans will be different, and the interest required for loans will be more or less. Take China Development Bank as an example, the loan interest rate is as follows:

For short-term loans, the annual interest rate is 4.35% for six months (inclusive) and 4.35% for six months to one year (inclusive). Two, medium and long-term loans, one to five years (inclusive), the annual interest rate of 4.75%, three to five years (inclusive), the annual interest rate of 4.9%, more than five years, the annual interest rate of 4.9%.

1. Matching repayment of principal and interest: that is, the sum of the principal and interest of the loan adopts a method of monthly matching repayment. Housing provident fund loans and commercial personal housing loans of most banks have adopted this method. This way, the monthly repayment amount is the same;

2. Matching principal repayment: that is, the borrower repays the loan in each installment (month) evenly throughout the repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment day. In this way, the monthly repayment amount decreases month by month;

3. Pay interest on a monthly basis and repay the principal at maturity: that is, the borrower will repay the loan principal in one lump sum on the loan maturity date [the term is one year.