According to the repayment method of equal principal and interest, the monthly repayment amount is about 25 14.58 yuan.
The matching principal and interest repayment method commonly used by banks can calculate the monthly repayment amount through PMT function of excel. The corresponding usage of the formula is as follows: =-PMT (annual loan interest rate/12, annual * 12, payment amount).
According to the repayment method of average capital, the first repayment amount is 300,000 * 5.895%/12+300,000/(15 *12) = 3140.42 yuan.
From the second repayment, the repayment amount will be reduced by about 8. 19 yuan compared with the previous repayment.