If the loan principal is 800,000 yuan and the term is 20 years, the average principal repayment method will be adopted according to the benchmark annual interest rate of the People's Bank of China for loans of more than five years (unchanged), and the monthly payment will decrease, such as the first phase: 6,600 yuan; Phase II: 6586.39; The third period: 6572.78, and each period is decreasing: 13.438+0.