Matching principal and interest method: the total amount of provident fund loans is 250,000, assuming that the annual interest rate at that time is 4.500%, the loan life is 10 years, the monthly repayment amount of principal and interest is 2,590.96 yuan, the total repayment amount is 3109/5.2 yuan, and the total interest payable is 609 15.2 yuan. The interest paid in the first month is 937.5 and the principal paid in the first month is1653.46; The interest paid in the second month is 93 1.3, and the principal paid in the second month is1659.66; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)

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The number of months returned is 24 months; The total interest paid is 20,740.72, the total principal paid is 4 1442.32, the remaining principal paid is 208,557.68, and the interest in the last installment is 782.09 (without considering the adjustment of the intermediate interest rate)//It still needs to be paid: ￥ 209,339.77.