At present, the benchmark annual interest rate of five-year personal (RMB) loans announced by the People's Bank of China is 4.75% (the specific loan interest rate that can be applied for shall be examined and confirmed by the handling bank). According to the benchmark interest rate, the total interest of the "equal principal and interest repayment method" is 3 1 353.68 yuan, and the monthly repayment amount is 4689.23 yuan. The total interest of "equal principal repayment" is 30 182.29 yuan, and the monthly payment decreases month by month.

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