At present, according to the latest benchmark interest rate of loans over five years, which is 5. 15%, with reference to 1, the repayment of principal and interest is equal, with a total loan of 570,000.00 yuan, repayment months 180, and monthly repayment of 4552. 19 yuan, with a total interest payment of 249,000. 393.8 1 yuan 2. The total loan of average capital repayment method is 570,000.00 yuan. The repayment month is 65,438+5,665,438+02.92 yuan in the first month of August. The monthly decrease is: 13.59 yuan. The total interest paid is RMB 2,265,438+RMB 0,385.63. The total principal and interest is 7965438 yuan. 393.8 1-22 1, 385.63 = 28008. 18 yuan, the principal repayment method will pay less interest.