The monthly mortgage payment of 4, yuan in 2 years needs to take into account the loan interest rate. According to the current benchmark mortgage interest rate of 4.9% for more than five years, the monthly mortgage payment is 2617.78 yuan, the total interest is 228,266.29 yuan, and the total repayment amount is 628,266.29 yuan. At present, banks generally use the equal principal and interest repayment method.

matching principal and interest refers to a loan repayment method. Matching principal and interest means repaying the same amount of loans (including principal and interest) every month during the repayment period. It is a different concept from average capital. Although the monthly repayment amount may be lower than that of the repayment method of equal principal at the beginning, the interest paid in the end will be higher than that of the repayment method of equal principal, which is often used by banks.

the compound interest rate is used to calculate the matching principal and interest loan. At the settlement time of each repayment, the interest generated by the remaining principal will be calculated together with the remaining principal (loan balance), which means that the unpaid interest will also be calculated.