The total loan amount is 630,000, and the benchmark annual interest rate is 4.90%. The loan term is 20 years: the monthly repayment amount by equal principal and interest method is 4 123 yuan, the total repayment amount is 989,520 yuan, and the interest payable is 359,520 yuan. ;

The amount to be returned in the first month of the average capital method is: 565,438+097.5 yuan; The total interest on average capital is: 309,986.25.