Monthly principal+interest: 65,438+ten thousand/120+68,000/120 =1400 yuan.

The bank staff said the monthly interest rate 1200 yuan. Is it because the interest rate you provided is biased?

The interest rate of bank loans is very scary. The longer the term, the more interest. If you borrow it for 20 years, the interest will exceed your principal.

This is an equal principal and interest repayment method, and the monthly repayment amount is fixed. There is also a repayment method in average capital, which is the step-by-step repayment method. At first, the repayment pressure is relatively high, but later, the easier it is, the lower the overall interest will be. You can consult the bank staff to make a choice.