The loan is RMB 6,543,800+0.5 million with a term of 5 years. At present, the annual interest rate of the latest five-year loan is 6.40%, and there are two repayment methods:

1. equal principal and interest method: the monthly repayment amount is 2927.90 yuan (the same every month), and the total principal and interest is 175674.08 yuan, of which the interest is 25674.08 yuan.

2. Average capital method: the monthly repayment amount is different. The repayment amount in the first month is 3,300.00 yuan (it will decrease month by month, with a monthly decrease of 13.33 yuan), and the repayment amount in the last month is 25 13.33 yuan, with the total principal and interest of174,400.00 yuan, including interest of 24,400.00 yuan.

Compared with the above two methods, the average capital method is less than the equal principal and interest method 1274.08 yuan. The specific repayment method can be selected when the bank handles the loan procedures.

The above data are calculated under the assumption that the interest rate will remain unchanged throughout the repayment period.