The loan principal is 300,000 yuan, with a term of 65,438+05 years. According to the benchmark annual interest rate of the People's Bank of China for loans over five years (unchanged), the repayment method of principal and interest is equal, with a monthly payment of 2,356.78, a total repayment of 424,220.88 and a total interest of 65,438+024,220.88.