The monthly payment amount needs to be comprehensively determined according to the term and interest rate. The term of the loan is 65.438 billion yuan, 654.38+00 years, and the monthly repayment amount varies according to the repayment method. There are usually two repayment methods: matching principal and interest and average capital. According to the latest interest rate level of 2065,438+06, the monthly repayment amounts of these two repayment methods are as follows: