5 years: the monthly repayment is 7335 yuan, and the total repayment due is 440 1 000 yuan.

30-year term: 2,474 yuan per month, and 348,476 yuan in one lump sum after 5 years. Total amount payable is: 2474 * 12 * 5+348476 = 497000.

The calculation formula is: monthly payment = loan amount × monthly interest rate × (monthly interest rate+1) n power ÷ (monthly interest rate+1) n power-1 Note: n is the number of terms, for example, the total number of terms in five years is 60.