If the loan of 700,000 yuan is divided into 30 years without interest, it will be about 1.945 yuan per month. And you have already paid back 65438+ ten thousand yuan, so you will probably pay back 1667 every month.

If equal principal and interest are used for repayment, the total interest for 30 years is 8,765,438+0,328 yuan, which is about 4,375 yuan per month. If it is the repayment method in the average capital, the interest for 30 years is 670,707 yuan, then it will be 353 1 yuan per month.

But if you can buy a house with a provident fund loan, the interest rate will be much cheaper. At present, the interest rate of provident fund loans for more than five years is 3.25%, and the same loan is 700 thousand, with a term of 30 years. If equal principal and interest are used for repayment, the total interest for 30 years is 396,765,438+09 yuan. If it is the repayment method in average capital, the interest for 30 years is 342 197 yuan. Visible, the same loan amount, provident fund loans to buy a house than commercial loans to spend hundreds of thousands less.