Loan term: 20 years (240 months)

Four situations in which the interest rate remains unchanged and the loan is fully paid off:

☆ Calculated by commercial loans with equal principal and interest.

Annual interest rate: 6.55% (monthly interest rate: 5.45333 ‰)

Monthly payment: 47 15.67 yuan.

Total interest: 50 176 1.78 yuan.

☆ Calculated by commercial loans and average capital.

Annual interest rate: 6.55% (monthly interest rate: 5.45333 ‰)

Monthly payment for the first month: 6063.75 yuan

Decreasing month by month: 14.33 yuan.

Monthly payment at the end of the month: 2639.33 yuan.

Total interest: 4 14369.38 yuan.

☆ Calculated according to the provident fund loan with equal principal and interest.

Annual interest rate: 4.5% (monthly interest rate 3.75‰)

Monthly payment: 3985.69 yuan.

Total interest: 326,565.86 yuan.

☆ Calculated by provident fund loans and average capital.

Annual interest rate: 4.5% (monthly interest rate 3.75‰)

Monthly payment for the first month: 4987.5 yuan.

Decreasing month by month: 9.84 yuan

Monthly payment at the end of the month: 2634.84 yuan.

Total interest: 28468 1.25 yuan.