Monthly repayment amount = 200,000/312+10,000 = 6,555.56 yuan. With the interest rate unchanged, the repayment method is "equal principal and interest repayment", the total interest is 19037.95 yuan, and the monthly repayment amount is 6084.39 yuan. Repay by "average capital Repayment Method", with the total interest of 18500 yuan, and the monthly repayment amount will decrease month by month. Supplementary information 1, money other than the due principal of deposits and loans (different from' principal').

2. The abstract interest point refers to the value added when monetary funds are injected into the real economy and returned. In a less abstract sense, interest generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for using the borrowed currency or capital. Also known as the symmetry of sub-fund and parent fund (principal). The calculation formula of interest is: interest = principal × interest rate × deposit period (i.e. time).

Interest is the reward that the fund owner gets for lending the fund, which comes from a part of the profits that the producer makes by using the fund to play its operational functions. Refers to the value-added amount brought by monetary funds injected and returned to the real economy. The calculation formula is: interest = principal × interest rate × deposit period × 100%.