The loan principal is 50,000 yuan, with a term of 3 years. According to the benchmark annual interest rate of the People's Bank of China for 3-5 years (including 5 years) and above (unchanged), the repayment method of principal and interest is equal. The monthly payment is 1492.94, the total repayment amount is 53,745.81,and the total interest amount is 3,745.