At present, the annual interest rate of provident fund loans for more than five years is 3.25%. Under the condition of constant interest rate, the repayment method of equal principal and interest is adopted. The total interest is 42,368.61yuan, and the monthly repayment amount is 1 124.27 yuan. Using the average capital method, the total interest is 39,265,438+06.67 yuan, and the monthly repayment amount decreases month by month.

In some cities, China Merchants Bank provides provident fund loans. You can dial 95555 at 8:30- 18:00, select "2 manual services-"1"personal banking-"4 "personal loan business, and enter the city where manual services provide loans to learn more about its use.