Solution: According to the current annual interest rate of housing commodities, it is generally 5.5%.

So: (450,000+450,000? 5.5%? 10)? 120

=58 12.5 (yuan)

Answer: 450,000 yuan (calculated at the current annual interest rate of 5.5%), and the monthly payment of 65,438+00 yuan is 5,865,438+02.5 yuan.