Legal analysis: Generally, there are two forms of loans: matching principal and interest and average capital. The calculation method is as follows: 1 Calculation formula of equal principal and interest: [loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months of Party A ]=[( 1+ monthly interest rate) repayment months of Party A-1]; Two. Average fund calculation formula: monthly repayment amount = (loan principal ÷ repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

Legal basis: Determination of loan interest rate in Article 13 of the General Principles of Loans: The lender shall determine the interest rate of each loan according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China, and specify it in the loan contract.