According to the benchmark interest rate of the central bank, the annual interest rate of commercial loans over five years is 4.90%; The annual interest rate of provident fund loans for more than five years is 3.25%.

1. Commercial loan: repayment method of equal principal and interest: 2,000,000 yuan loan with monthly payment of 30 years 106 14.53 yuan. A loan of 2 million will be repaid in the form of average capital for 30 years. The monthly payment is (2000000/360)+(2000000- accumulated paid principal amount) (4.90%/ 12).

2. Equal principal and interest repayment method. 2 million yuan for 30 years for 8704. 13 yuan. 2,000,000 yuan, with a term of 30 years, and the average capital repayment method. The monthly repayment amount is (2,000,000/360)+(2,000,000-accumulated principal repayment amount) ×(3.25%/ 12).