The calculation formula of monthly repayment amount is as follows: \x0d\[ loan principal × monthly interest rate ×( 1+ monthly interest rate) × repayment months] \ 247; [( 1+ monthly interest rate) × repayment months-1] \x0d\ The following example illustrates the repayment method of equal principal and interest. According to the above formula, the sum of monthly principal and interest payable is 1324.33 yuan. \x0d\ The above results only give the sum of the principal and interest payable each month, so this principal and interest need to be broken down. \x0d\ Still based on the above example, one month is the down payment. \x0d\ The balance of the first loan is 200,000 yuan, the interest payable is 200,000× 4.2 ‰ = 840.00 yuan, and the principal is 484.33 yuan. \x0d\ The bank loan is still owed 1995 19. \x0d\ The interest payable in the second phase is199515.67× 4.2 ‰ = 837.96 yuan. \ x0d \ x0d \ Matching principal and interest refers to a repayment method of housing loan, that is, the same amount of loan (including principal and interest) is repaid every month during the repayment period, which is different from the average principal.