How to solve the problem, the problem is this. Mr. Li wants to buy a commercial house and borrow 6,543.8+0,000 yuan from the bank. According to the current regulations of state-owned banks, this loan can be repaid within 654.38+00 years. 1. Equal repayment of principal and interest: total principal and interest: 1365630.54 yuan.

2. Matching principal repayment: Total principal and interest: 1330229. 17 yuan.

3. Matching principal and interest repayment method is applicable to customers whose income is stable and their future income is not expected to decrease. The monthly payment is 1 1380.25 yuan.

The repayment method of average capital is suitable for people with relatively high income in the recent period, and it is expected that their income may decrease in the future. Because the initial repayment period is 13000 yuan, and the final repayment period is only 8000 yuan.