Equal principal and interest method: Loan principal: 60,000 Assumed annual interest rate: 4.750 Loan period: 3 years: The monthly repayment of principal and interest is: 1,791.53 yuan, and the total repayment amount including principal and interest is: 64495.08 yuan, ***interest payable: 4495.08 yuan. The first month's interest payment is: 237.5; the first month's principal payment is: 1554.03; thereafter, the monthly interest payment amount decreases and the principal payment increases. (Interim interest rate adjustments are not taken into account)