Loan term: 20 years (240 months)

Two situations in which the interest rate remains unchanged and the loan is fully paid off:

☆ Calculated according to the provident fund loan with equal principal and interest.

Annual interest rate: 4.5% (monthly interest rate 3.75‰)

Monthly payment: 948.97 yuan.

Total interest: 77,753.77 yuan.

☆ Calculated by provident fund loans and average capital.

Annual interest rate: 4.5% (monthly interest rate 3.75‰)

The first monthly payment: 1 187.5 yuan.

Decreasing month by month: 2.34 yuan

Monthly payment at the end of the month: 627.34 yuan.

Total interest: 6778 1.25 yuan.