Equal principal and interest method: Loan principal: 500,000, assumed annual interest rate: 4.900%, loan term: 30 years: The monthly repayment of principal and interest payable is: 2653.63 yuan, the total with principal and interest The repayment amount is: 955306.8 yuan, ***interest payable: 455306.8 yuan. The first month's interest payment is: 2041.67; the first month's principal payment is: 611.96; thereafter, the monthly interest payment amount decreases and the principal payment increases. (Interim interest rate adjustments are not taken into account)