Matching principal and interest method: loan principal: 970,000 yuan, assuming annual interest rate: 4.900%, loan life: 29 years, monthly repayment amount of principal and interest: 5226.56 yuan, total repayment amount: 18 18842.88 yuan, and * * repayable interest: 848,842.88 yuan. The interest paid in 1 month is: 3960.83; The first 1 month principal repayment is:1265.73; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)