Calculated by matching the principal and interest repayment, the total loan interest is 46,342 yuan, and the monthly payment is unchanged. The monthly fixed repayment is 1.470 yuan (excluding the adjustment of national interest rate during the repayment period). If the principal is repaid in the same amount, the total loan interest is 465,438+0,946 yuan, and the monthly repayment in the first month is 65,438+0,776 yuan, and then the monthly repayment will be reduced by about 6 yuan (excluding the adjustment of national interest rate).