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I bought it on loan for four years.
Equal principal and interest method:

Loan principal: 430,000 yuan, assuming annual interest rate: 6.370% and loan term: 6.

year

The monthly repayment principal and interest payable are:

72,065,438 yuan +0.68 yuan, and the total amount of principal and interest repayment is:

5 18520.96 yuan, total interest payable:

88,520.96 yuan.

The interest paid in 1 month is: 2282.58.

; The first 1 month principal repayment is: 4919.1; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)