Example: The loan interest rate for more than five years is 7.05, the loan is 654.38 million yuan, and the loan term is five years.

Then: the total interest is 100000×7.05×5=35250 yuan. After 5 years, the principal+interest = 135250 yuan.

There are two repayment methods for monthly payment. Pay back 20 thousand every year, with the remaining interest.

First, reduce the payment.

The interest paid in the first year is100000× 7.05×1= 7050 yuan, the total principal and interest is 27050 yuan, and the monthly repayment is 2254.2 yuan.

The interest paid in the second year is 80000×7.05× 1=5640 yuan, and the total principal and interest is 25640 yuan, which is also 2 136.7 yuan per month.

In the third year, the interest is 60,000× 7.05×1= 4,230 yuan, and the total principal and interest is 24,230 yuan, which is also 20 19.2 yuan per month.

In the fourth year, the interest is 40,000× 7.05×1= 2,820 yuan, and the total principal and interest is 22,820 yuan 190 1.7 yuan per month.

The interest paid in the fifth year is 20000× 7.05×1=1410 yuan, and the total principal and interest is 2 14 10 yuan, which is still 1784.2 yuan per month.

Second, balanced payment.

The principal and interest payable within five years is 7050+5640+4230+2820+1410+principal100000 =12150 yuan.

5 years × 65438+February/year = June.

Then within five years, the monthly repayment will be121150 ÷ 60 = 2019.17 yuan.

I hope it helps you!