Monthly repayment amount = loan amount * loan interest rate/12*( 1+ loan interest rate/12) (annual *12)/(1+loan interest rate/12).

If calculate according to 7.05% of bank loan with a term of more than five years,

Monthly repayment amount =140000 * 7.05%/12 * (1+7.05%/12) (20 *12)/((12)

That is, monthly payment 1, 089.62 yuan.