The payment is 6.5438+0.8 million. According to the interest rate of 4.9, the average capital for 20 years is about 7500 yuan, and the average capital for 30 years is about 5000 yuan.

For example, the house price is 654.38+0.8 million, the down payment is 30%, and the payment is 654.38+0.2 million. The interest rate is 4.9. After 20 years, the average capital will pay about 5,000 yuan per month, and after 30 years, the average capital will pay about 3,400 yuan per month.