Matching principal and interest method: loan principal: 126000, assuming annual interest rate: 4.900%, loan term: 5 years, monthly repayment amount of principal and interest: 2372.0 1 yuan, total repayment amount: 142320.6 yuan, * * interest payable:/kloc. The interest paid in 1 month is: 514.5; The first 1 month principal repayment is:1857.5438+0; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)