Hello! The repayment methods of loans are divided into equal principal and interest method and average capital method. At present, according to the current commercial loan interest rate, that is, 6.55% for 6-30 years, the monthly repayment amount of the two repayment methods is calculated as follows for your reference: (the loan is 300,000 yuan and the service life is 20 years).

The equal principal and interest method, the monthly repayment amount is: 2245.56 yuan. (The total interest is 238,934.40)

Average capital method: the repayment amount in the first month is 2887.50 yuan. (This repayment method has a heavy burden in the early stage. The repayment amount in the first month is 2887.50 yuan, and then it decreases by 6.82 yuan every month. The repayment amount in the last period is 1256.82 yuan, and the total interest is 1973 18.75, which is relatively small).

There are many mortgage calculators on the Internet. You should be able to find them on Baidu. Not every bank has preferential interest rates. You'd better consult your local bank in detail and compare which one has preferential activities and which one will lend money.