All banks implement an interest rate policy, but the difference is that bank discounts may be different, with a minimum discount of 30%. So you can negotiate with the bank.

Calculated at a discount of 4.03 at the benchmark interest rate, 30W will be paid off in five years, with a monthly payment of 5529 yuan. * * * Need to pay 33 174 1. 14 yuan, of which the interest is 3 174 1. 14 yuan.

According to the benchmark annual interest rate of 5.76%, the monthly payment is 5766.42 yuan. * * * RMB 345,985.22 should be repaid, including interest of RMB 45,985.22.