A combined loan of 400,000 yuan for commercial loans and 320,000 yuan for public accumulation fund, with a monthly repayment of 28.628 yuan. The benchmark annual interest rate of the provident fund for more than five years is 3.25%. If the repayment method is equal principal and interest, the monthly repayment amount is 1800.83 yuan. The benchmark annual interest rate for commercial loans over five years is 4.9%. If the repayment method is equal principal and interest, the monthly repayment amount is 106 1.45 yuan.