Matching principal and interest method: loan principal: 70,000 yuan, assuming annual interest rate: 4.750%, loan life: 3 years; Monthly repayment amount of principal and interest: 2090. 1 1 yuan, total repayment amount of principal and interest: 75,243.96 yuan, * * interest payable: 5,243.96 yuan.

The interest paid in 1 month is 277.08, and the principal paid in 1 month is 18 13.03. After that, the interest paid will decrease and the principal will increase.