The total loan is 65,438+039,000 yuan, which will be paid off in 65,438+05 years, that is, the annual principal should be 9,266.67 yuan, and the annual repayment should be 9,266.67 * (65,438+0+5.9%) = 9813.46438+.

Of course, it will change with the adjustment of bank interest rates, but the change should not be great!