Suppose the annual interest rate is 3.25% and the total loan is 64,000. The loan term is 3 years: the monthly repayment of principal and interest is 1868.26 yuan, the total repayment is 67,257.36 yuan, and the total interest payable is 3,257.36 yuan.

The interest paid in the first month is 173.33 and the principal paid in the first month is1694.93; The interest paid in the second month is 168.75 and the principal paid in the second month is1699.438+0; Since then, the monthly interest repayment amount has decreased and the principal has increased.