1 Calculated according to the loan interest rate of 6.55 for more than five years, the equal principal and interest will be paid off for 25 years, with a monthly repayment of 3,323 yuan. The first month's principal is 649.2 yuan, with interest of 2674.5 yuan, and the second month's principal is 652.8 yuan, with interest of 267 1.0 yuan. Increase the principal 3.5 yuan this month and reduce the interest 3.5 yuan every month. That is to say, in the monthly repayment amount, the principal is gradually increasing and the interest is gradually decreasing. In the last month of the 25th year, the principal is 3,305 yuan, and the interest is 18 yuan. The monthly total is still 3,323 yuan.

Nearly 40 thousand was paid back in one year, and the loan became 450 thousand. That's not true. Interested in 4w. Assuming that the interest is 2w, then the principal is only 2w, and the loan becomes 47w.

The monthly repayment will not change, or 3323 yuan.