At present, the benchmark annual interest rate of personal (RMB) provident fund loans for more than five years is 3.25%. According to the benchmark interest rate, the total interest of "matching principal and interest repayment" is 36 1269.83 yuan and the monthly payment is 567 1.96 yuan. The total interest of "average capital Repayment Method" is 326,354.17 yuan, and the monthly payment decreases month by month.

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