Monthly payment = (loan amount * monthly interest rate) /( 1-( 1+ monthly interest rate)) (-loan term * 12). The down payment of 800,000 houses is 400,000, which will be paid in 30 years. Pay 50% monthly according to the purchase conditions. The other 50% and the total interest rate are allocated to the monthly repayment. After 30 years, the monthly repayment is about 2,000 yuan, which is equal to the amount to be repaid every month.