Annual interest rate =5.3%, monthly interest rate = annual interest rate/12=0.44 17%.

First, the "equal principal and interest" method

Formula Monthly repayment amount = loan amount * monthly interest rate /[ 1-( 1+ monthly interest rate)-repayment months]

Monthly repayment amount = 380000 * 0.4417%/[1-(1+0.4417%)-360]

Monthly repayment amount = 2 1 10.25 yuan.

Total repayment = 759,690.75 yuan

Total interest = 379,690.75 yuan

Second, the "average capital" model.

(1), calculate the down payment.

Formula down payment = loan amount *[( 1/ total months)+monthly interest rate)]

Down payment = 380,000 * [(1/360)+0.4417%)]

The first repayment amount = 2734.02 yuan.

(2) Calculate the monthly decline.

Formula Monthly Decreasing Amount = Loan Amount/Total Months * Monthly Interest Rate

Monthly decline = 380,000 /360 * 0.445438+07%

Monthly decreasing amount =4.66 yuan

(3) Calculate the total amount of interest and repayment.

Formula total interest = 1/2* loan amount * monthly interest rate *( 1+ total months)

Total interest =1/2 * 380000 * 0.4417% * (1+360)

Total interest = 302,962.03 yuan

Total repayment = 682,962.03 yuan.

Results:

"Matching principal and interest" method, the monthly repayment is 2 1 10.25 yuan, and the total repayment is 759,690.75 yuan.

"Even cost" method, the first repayment amount is 2734.02 yuan, and then it will decrease by 4.66 yuan every month; The total repayment amount is 682,962.03 yuan.

Compared with the method of "equal principal and interest", "equal capital" saves interest of 76,728.72 yuan.