Matching principal and interest method: loan principal: 450,000 yuan, assuming annual interest rate: 3.020%, loan term: 20 years, monthly repayment amount of principal and interest: 2,500.2 yuan, total repayment amount: 600,048 yuan, * * interest payable:150,048 yuan. The interest paid in 1 month is:1132.5; The first 1 month principal repayment is:1367.7; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)

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If you borrow it for 25 years,

After calculation, the monthly interest rate is: .375%; The annual interest rate is: 4.50%

Matching principal and interest method: loan principal: 450,000 yuan, assuming annual interest rate: 4.500%, loan term: 25 years, monthly repayment of principal and interest: 25,065,438+0.25 yuan, total repayment: 750,375 yuan, * * * repayable interest: 300,375 yuan. The interest paid in 1 month is:1687.5; The first 1 month principal repayment is: 813.75; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)