Matching principal and interest method: loan principal: 50,000 yuan, assuming annual interest rate: 4.750%, loan life: 2 years; Monthly repayment of principal and interest: 2 187.98 yuan, total repayment with principal and interest: 5251.52 yuan, * * interest payable: 255. The interest paid in 1 month is:197.92; The first 1 month principal repayment is:1990.06; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)