Provident fund loan, mortgage interest rate of 3.25%, equal principal and interest, 30 years. The monthly mortgage payment is 4,352.06 yuan, and the total interest for 30 years is 566,700 yuan.

2. For commercial loans, the mortgage interest rate is 5.635% with the benchmark interest rate rising 15%, with equal principal and interest for 30 years. The monthly mortgage is 5762.87 yuan and the total interest is 1074600 yuan.

3. For commercial loans and mortgage loans, the interest rate is still 15%, which is 5.635%. Average capital is 30 years. The mortgage in the first month was 74,736,654,38+0 yuan, and the mortgage in the later period decreased month by month. The mortgage interest rate generated in 30 years totals 847,500.