Matching principal and interest method: loan principal: 800,000 yuan, assuming annual interest rate: 4.900%, loan life: 5 years: monthly repayment amount of principal and interest: 65,438+05,060.36 yuan, total repayment amount: 90,362,654,38+0.6 yuan, * * interest payable: 65,438. The interest paid in 1 month is: 3266.67; The principal repaid in 1 month is:11793.69; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)