Help me calculate the interest rate difference! 15 5000 yuan, the annual interest rate of provident fund is 3.87, the commercial loan is 4. 158, and what is the interest difference after repayment 19 months? The answer is as follows:

Loan155,000 yuan, repayment period 19 months (counted as loan period 19 months):

1. Equal principal and interest method (same monthly repayment amount):

1, the interest rate of provident fund is 3.87%, and the total interest of 19 months is 5047.03 yuan;

2. The commercial loan interest rate is 4. 158%, and the total interest of 19 months is 5426.48 yuan. The difference between the two is 379.45 yuan.

Second, the average capital method (the monthly repayment is different, the front is more and the back is less):

1, the interest rate of provident fund is 3.87%, and the total interest of 19 months is 5047.03 yuan;

2. The commercial loan interest rate is 4. 158%, and the total interest of 19 months is 5370.75 yuan. The difference between them is 323.72 yuan.

Description: I don't know how long your loan term is. The above data is calculated according to 19 months. The longer the loan term, the greater the difference. For your reference.