The first month’s interest payment is: 2666.67, the first month’s principal payment is: 768.99; the second month’s interest payment is: 2663.47, the second month’s principal payment is: 772.19

The total loan amount is 640,000 and the annual interest rate is assumed to be 5.00%. The loan period is 30 years.

Years: The monthly payment of the principal and interest amount using the equal principal and interest method is: 3,435.66 yuan, and the total repayment amount is:

1,236,837.6 yuan, ***interest payable:

596,837.6 yuan.