The loan is 1.7 million yuan, the term is 10 year, and the annual interest rate is 5.46%. How much should average capital repay each month? If it is returned after two years, I want to mention it at the beginning of the third year. ... Average capital repayment method: the first repayment amount =170000 * 5.46%/12+170000/(10 *12) = 2190.60.

Note: the first half of the above formula is the interest generated by the loan for one month, and the second half is the principal amount that you should repay each month.

Under the repayment method of equal principal, the subsequent interest decrease amount = [170000/(10 *12)] * 5.46%/12 = 6.45 yuan.

Note: Since the repayment amount of the principal in each installment is fixed, after the repayment of the principal in the previous installment, the interest portion of the repayment amount in the next installment will be reduced accordingly.

That is to say, the second repayment amount is 2 184.32 yuan (= 2 190.67-6.45), and the third repayment amount is 2 177.87 yuan (2 184.32-6.45).

The remaining principal amount at the beginning of the third year =170000 * (1-2/10) =136000 yuan. If there is no penalty interest related to prepayment, the total prepayment principal and interest in the first month of the third year is 65,438+036,000+65,438.

The above calculation is rough calculation, and there may be some differences in actual payment due to rounding of data.