1. The benchmark interest rate for 20 14 years is 6.55 (more than 5 years). According to the problem, the loan was paid off in 28 10, and the monthly payment was 3287 yuan. The real interest rate reaches 7.25, which is equivalent to a little more than 10% on the basis of the benchmark interest rate.

Second, whether the interest rate rises is due to the policy reasons of the lending bank or the personal qualification of the borrower.

Three. The formula for calculating the monthly repayment amount of the equal principal and interest repayment method is as follows:

[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1]