Matching principal and interest method: loan principal: 30,000 yuan, assuming annual interest rate: 5.000%, loan life: 3 years, monthly repayment amount of principal and interest: 899. 13 yuan, total repayment amount: 32,368.68 yuan, * * * interest payable: 2,368.68 yuan. The interest paid in 1 month is:125; The first 1 month principal repayment is: 774.438+03; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)