1. Monthly repayment amount of equal principal and interest = [loan principal× monthly interest rate× (1+monthly interest rate )× repayment months] = [(1+monthly interest rate )× repayment months];

You borrowed 280,000 yuan, and the monthly repayment amount calculated at the interest rate of 5.05 = [280,000× 5.05%12× (1+5.05%/12) 360] ((1+5.05%)

Then your total loan amount = interest+principal =151.67 * 360 = 544201.2.

With the same principal and interest, your annual interest rate is 5.05 and the loan is 280,000 yuan, so your total interest is: 54,4201.2-280,000 = 26,4201.2 yuan.

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Similarly, if calculated according to the annual interest rate of 4. 1, the interest of equal principal and interest will be:? 207,064 yuan

The interest rate of 5.05 is higher than that of 4.1.264201.2-207064 = 57137.2.

2. Calculation method of average capital:

Monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.

That is, your first repayment amount = (280000/360)+(280000-280000/360) * 5.05%/12.

= 1955. 17

In the future, you will meet less every month, and the final interest will be about 26438+09.8+07 yuan.

If it is 4. 1, it is: 172678.33 yuan.

The interest rate of 5.05 is higher than that of 4. 1, and 212689.17-172678.33 = 40010.84.

The above data are for reference only, subject to the bank release.