The five-year interest rate of housing provident fund is 3.6%, and the five-year interest rate of ordinary housing loans is 4.77%. Mr. Wang bought a house with a loan of 250 thousand yuan, which was paid off in five years. The loan is 1. This problem is very complicated: first, there are two repayment methods for loans, namely, equal monthly repayment of principal and interest and equal repayment of principal. Their interest calculation methods are different, the repayment amount is different, and the monthly interest amount is different. If the calculation of matching principal and interest repayment is particularly complicated, the monthly repayment interest within one year must be calculated, totaling 1, 0 1, 70 yuan. Second, the loan is compounded monthly.

But according to the meaning of the question, it should be a simple calculation method, and it is calculated by annual repayment, which is very convenient.

If the repayment is made annually, it will be calculated with compound interest annually. In terms of average capital, there will be a provident fund loan X and a commercial loan of 250,000-X.

There are:

X * 3.6%+(250000-X)* 4.77% = 10 170

x =( 10 170-250000 * 4.77%)/(3.6%-4.77%)= 150000

The commercial loan is 654.38 million yuan.