The term of the provident fund loan is 400,000 yuan, 15 years, and the monthly repayment amount varies according to different repayment methods. There are usually two repayment methods: matching principal and interest and average capital. According to the benchmark interest rate level, the monthly repayment amounts of these two repayment methods are as follows:

According to the above two methods, if the equal principal and interest are repaid 28 10.68 per month and hedged 1500, the monthly repayment amount is1310.68; The average capital repays RMB 3,305.56 per month, and the monthly repayment amount is RMB 1805.56 if hedging 1500 yuan.