How to calculate the personal mortgage of China Bank, and what is the normal interest rate? The first home loan is 2.4 billion. How much will 15 pay back?

Hello, if calculated according to the commercial loan interest rate of 5.90%:

1. Equal repayment of principal and interest:

The total loan amount is 240,000.00 yuan.

Number of repayment months:1August

Monthly repayment of 20 12.5438+0 yuan.

Total interest paid122,216.35 yuan.

The total principal and interest is RMB 362,265,438+06.35.

2. Equal principal repayment:

The total loan amount is 240,000.00 yuan.

Number of repayment months:1August

The repayment in the first month is 2565438 yuan +03.33 yuan.

Decreasing monthly: 6.56 yuan

Total interest paid 106790.00 yuan.

The total principal and interest is 346,790.00 yuan.