At present, the benchmark annual interest rate of personal (RMB) provident fund loans for more than five years announced by the People's Bank of China is 3.25%. According to the benchmark interest rate, the total interest of "matching principal and interest repayment" is 144507.93 yuan, and the monthly payment is 2268.78 yuan. The total interest of "equal principal repayment" is 13054 1.67 yuan, and the monthly payment decreases month by month.

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