Matching principal and interest method: loan principal: 24,000 yuan, assuming annual interest rate: 4.750%, loan life: 3 years, monthly repayment amount of principal and interest: 7 16.6 1 yuan, total repayment amount of principal and interest: 25,797.96 yuan, * * interest payable:176. The interest paid in 1 month is: 95; The principal repayment of the first month/kloc-0 is: 62 1 .61; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)