1. The commercial loan of Lezhi was paid off in 206,5438+00, with a monthly payment of 265,438+065,438+0.55 yuan. According to the benchmark interest rate of 4.9, the total interest was 53,385.75 yuan, and the total repayment was 253,385.75 yuan.

2. Matching principal and interest refers to a repayment method of a loan, that is, the same amount of loan (including principal and interest) is repaid every month during the repayment period.

3. The formula for calculating the monthly repayment amount of equal principal and interest is as follows:

[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1].

Specifically, you can refer to the information of Xinhuanet and People's Daily Online, where you can find relevant articles by searching for mortgage interest!