At the same time, if the bank's benchmark interest rate does not rise, there will be 200,000 commercial loans and 300,000 provident fund loans. The monthly payment for each loan for 30 years is as follows:

Repayment method of equal principal and interest of commercial loans: 200,000 yuan;

The total loan is 200,000 yuan.

Repayment months: 360 months

Monthly repayment 1 123.06 yuan.

Total interest paid is 204302. 17 yuan.

Total principal and interest is 404,302.17 yuan.

Average repayment method of commercial loans: 200,000 yuan;

The total loan is 200,000 yuan.

Repayment months: 360 months

First month repayment 1455.56 yuan.

Decreasing monthly: 2.50 yuan

Total interest paid 162450.00 yuan.

The total principal and interest is 362,450.00 yuan.

The repayment method of equal principal and interest of provident fund loan is 300,000 yuan:

The total loan is 300,000 yuan.

Repayment months: 360 months

Monthly repayment 1347+03 yuan.

Total interest paid 184968.26 yuan.

The total principal and interest is 484,968.26 yuan.

Average repayment method of provident fund loans: 300,000 yuan;

The total loan is 300,000 yuan.

Repayment months: 360 months

First month repayment 1708.33 yuan.

Decreasing monthly: 2.43 yuan

Total interest paid 157937.50 yuan.

The total principal and interest is 457,937.50 yuan.