This issue is related to interest rates and interest calculation methods.

If the agreed annual interest rate of the loan is 4%, calculated based on simple interest, then the principal of 100,000 yuan and the term of 30 years will accrue interest of 10*4%*30=120,000 yuan, even with the principal One *** with interest is 112=220,000 yuan.

If the agreed annual interest rate is 3%, the interest is calculated based on compound interest, and the term is thirty years, then the principal of 100,000 yuan, including the principal and interest after thirty years, will total 10 (1+3%)^ 300,000 yuan.