Legal analysis: the loan principal is 200,000 yuan, and the term is 10 year. According to the benchmark annual interest rate of loans of the People's Bank of China for more than 5 years, the repayment method of equal principal and interest is adopted, and the monthly payment is 211.55; Total repayment: 253,385.75; Total interest: 53,385.75. The average capital repayment method is adopted, and the monthly payment is decreasing one by one. The first installment is 2483.33, with the decreasing amount of 6.80 per installment, the total repayment amount is 249,408.33 and the total interest amount is 49,408.33.

Legal basis: Article 402 of the Civil Code of People's Republic of China (PRC) mortgages the property specified in Items 1 to 3 of the first paragraph of Article 395 of this Law or the building under construction specified in Item 5, and shall go through the mortgage registration. The mortgage is established at the time of registration.