The commercial loan of1.276,5438+00 has been paid off. According to the benchmark interest rate of 4.9, the monthly payment is 2850.59 yuan, the total interest is 72070.76 yuan, and the total repayment is 342070.76 yuan.

2. Matching principal and interest refers to a repayment method of loans, that is, repaying the same amount of loans (including principal and interest) 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].