Matching principal and interest repayment method-you pay the principal and interest at the same time, so "the total repayment amount is 135543.27, of which the interest is 15543.27" is a misunderstanding.

"The interest rate of120,000 five-year time deposit is 3.6%, and the result calculated by online deposit calculator is that the interest is 2 1600, and after deducting 5% interest, there is still 20,520", because that120,000 is saved from beginning to end. How to compare the interest of lump-sum deposit and withdrawal with the interest of loans with decreasing principal?