Description:

1. Because the question does not give the repayment method and calculation formula, I assume that it is the repayment method of equal principal and interest. That is, the monthly repayment amount is fixed, including principal and interest, and the loan is paid off on average within four years.

2. According to the calculation formula of equal principal and interest repayment, the monthly repayment amount can be calculated by the following formula: p = (r * PV)/(1-(1+r)-n), where p is the monthly repayment amount, r is the monthly interest rate, PV is the loan principal, and n is the number of repayment periods (in months).

3. According to the information provided by the title, the loan principal is 200,000 yuan, with an annual interest rate of 3.96%. Since the annual interest rate is required not to exceed 4%, the annual interest rate can be divided by 12 and converted into a monthly interest rate, that is, 0.33%.

4. Four years * * * has 48 months, and the monthly repayment amount is 5025 yuan.

5. The total interest is the monthly repayment amount multiplied by the repayment period and then the loan principal is deducted, that is, 5025 yuan * 480,000-200,000 yuan = 32,352 yuan.

Extended data:

China Construction Bank provides decoration loan services to help customers meet the needs of house decoration, renovation and furniture purchase. The loan amount, repayment period and interest rate depend on the specific situation of customers. For more detailed information, you can go to CCB official website or consult the local branch. Decoration loan helps to disperse decoration expenses and improve the efficiency of capital use, but customers need to repay on time to avoid overdue penalty interest or damage to credit history.