After calculation, the monthly interest rate is: .618%; The annual interest rate is: 7.42%

Matching principal and interest method: the total loan amount is 65,438+0,000,000, assuming the annual interest rate at that time is 7.420% and the loan period is 5 years: the monthly repayment amount of principal and interest is 65,438+09,999.95 yuan, and the total repayment amount is 65,438+065,438+0,999,995 yuan. The interest paid in the first month is 6 183.33, and the principal paid in the first month is13816.62; The interest paid in the second month is 6097.9, and the principal paid in the second month is13902.05; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)

========================

The number of months returned is 18 months; * * * Pay the interest of 97,787.62, * * Pay the principal of 26221/0.48, the remaining principal of 737,788.52, and the interest of the last installment of 4562 (without considering the adjustment of the intermediate interest rate)//Now it needs to be paid: 742,350.52.