The benchmark interest rates in 2000 are 1 and 65438+6.55.

Monthly repayment: 34 14.08 yuan.

Cumulative interest paid: 109689.438+06

Total accumulated repayment: 409,689,438+06.

When repaying in the fifth year (60 installments):

Residual principal (yuan): 174280.25 yuan.

2.5-year benchmark interest rate is 6.4.

Monthly repayment: 5855.8 yuan

Cumulative interest paid: 5 1348.438+06

Total accumulated repayment: 35 1348+06.

Think for yourself! I hope this helps.