Matching principal and interest method: loan principal: 100000, assuming annual interest rate: 2.800% and loan life: 5 years; Monthly repayment amount of principal and interest: 1788 yuan, total repayment amount of principal and interest: 107280 yuan, * * interest payable: 7280 yuan. The interest paid in 1 month is: 233.33; The first 1 month principal repayment is:1554.67; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)