3744.73 yuan.

The loan is 340,000, the interest is 5.86, and the loan period is 12 years. According to the calculation method of monthly payment, the principal of 340,000 multiplied by the annual interest rate of 5.86% is equal to 199240, and the total time of 12 years*** The principal plus interest that needs to be repaid is 539,240. The total interest divided by 12 years means that 44,936 yuan needs to be repaid each year. The annual repayment amount divided by 12 months equals 3,744.73 yuan.

Commercial loans, also known as personal housing loans, are one of the types of commercial bank loans approved by the People's Bank of China. They require the purchased house as a mortgage as a guarantee for repayment.