Matching principal and interest method: loan principal: 65,438+080,000, assuming annual interest rate: 4.900%, loan term: 65,438+00; Monthly repayment of principal and interest: 65,438+0,900.39 yuan, total repayment of principal and interest: 228,046.8 yuan, total interest payable: 480,400 yuan. The interest paid in 1 month is: 735; The first 1 month principal repayment is1165.39; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)