Matching principal and interest method: loan principal: 10000, assuming annual interest rate: 4.560% and loan life: 1 year; Monthly repayment amount of principal and interest: 854.06 yuan, total repayment amount of principal and interest: 10248.72 yuan, * * interest payable: 244. The interest paid in 1 month is: 38; The first 1 month principal repayment is: 816.06; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)