According to the trial calculation of "annual interest rate of 4.7%", under the condition of constant interest rate, the repayment method is "equal principal and interest repayment", the total interest is 157873.29 yuan, and the monthly repayment amount is 1866. 14 yuan; Repay by "equal principal repayment", the total interest is 136867.92 yuan, and the monthly repayment amount decreases month by month.

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