If it is a commercial loan, for example, the interest rate rises above the benchmark interest rate of the central bank 10%. The equal principal and interest will be repaid at 4,744.2 yuan per month, and the average capital will be 5,256.25 yuan in the first month, and then it will decrease every month 18 yuan. In addition, if it is a provident fund loan, according to the central bank's benchmark interest rate, the monthly matching principal and interest is 4,464.45 yuan, with an average of 4,739.58 yuan in the first month, and then it will decrease every month in 9 yuan.