Matching principal and interest method: loan principal: 28 1000, assuming annual interest rate: 4. 100% and loan term:10; Monthly repayment of principal and interest: 2,858.36 yuan, total repayment of principal and interest: 343,003.2 yuan, * * Interest payable: the interest paid in the 1 month is 960.08 yuan; The first 1 month principal repayment is:1898.28; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)