According to Cailadder.com, commercial loans are generally repaid with equal principal and interest, and the monthly payment is equal to [loan principal times monthly interest rate times (1+ monthly interest rate) repayment months] divided by [( 1+ monthly interest rate) repayment months minus 1], so the monthly payment of 700,000 loans for 30 years is 37 15.

Matching principal and interest refers to a loan repayment method, that is, repaying the same amount of loans (including principal and interest) every month during the repayment period.