For example, you bring 65438+ ten thousand.

After one year of loan, the monthly repayment is 546.7 yuan (interest is paid monthly for one year, and the principal is paid at the end of the year).

The loan is 20 years, and the monthly repayment is 778.3 yuan (principal and interest are paid together).

Repayment of equal principal and interest in advance:

Five years in advance, the interest has been repaid to 28,565,438+07.17 yuan.

The total repayment amount is 69,865,438+09.80 yuan. Save interest expense 10777.59 yuan. The repayment amount this month is 59042.26438+0 yuan.

/kloc-After the repayment in 0/0 year, the interest has been repaid by 39,438+0 yuan. The total repayment amount is138,475.94 yuan. Save interest expenses, 0 yuan. The monthly repayment amount is 1 163.66 yuan.

Compared with the normal repayment 10 year, you can pay less interest 10777.59 yuan if you repay five years in advance.