At present, the benchmark interest rate of bank mortgage is 4.9. If the principal and interest are equal, it is 21.654,38+05, and the monthly payment is about 1.649 yuan. If calculated according to the average capital, the first month's repayment will be around 2024, and the last month's repayment will be around 1 17 1 yuan. If the interest rate of the provident fund is 3.25, the monthly contribution will be around 1475 yuan.