According to the trial calculation of "5.3% annual interest rate", under the condition of constant interest rate, the repayment method is "equal principal and interest repayment", the total interest is 69,709.29 yuan, and the monthly repayment amount is 2,580.9438+0 yuan; Repay by "average capital Repayment Method", the total interest is 64 130 yuan, and the monthly repayment amount decreases month by month.

If you need a trial calculation, you can go to the homepage of China Merchants Bank and click "Financial Calculator"-"Personal Loan Calculator" on the right to make a trial calculation.