Hello, at present, the benchmark loan interest rate announced by our bank is 4.35% for 0-6 months (including June), 4.35% for June-1 year (including 1 year), and 4-30 years (including 30 years) for 1-5 years.

Calculated according to the current 4.9% annualized commercial loan: total interest: 460,000 *4.9%*20 years = 450,800 principal+interest: 46+45.08 = 965,438 million +0.08 million yuan monthly payment: 965,438 million yuan +0.08 million yuan /20 years/654,380 yuan+.