200,000, 10 year (120 months),

Matching principal and interest, monthly repayment amount:

200000 * 4.90%/ 12 * ( 1+4.90%/ 12) 120/[( 1+4.90%/ 12).

Description: 120 is the power of 120.

In the average capital, the monthly principal is 200,000/120, and the interest decreases every month.

Repayment in the first month: 200000/120+200000 * 4.9%/12 = 2483.33.

February: 200000/120+(200000-200000/120) * 4.9%/12 = 2476.53.

March: 200000/120+(200000-200000 * 2/120) * 4.9%/12 = 2469.72.

By analogy, the monthly decrease is 200,000/120 * 4.9%/12 = 6.8056.

Last month: 200000/120+(200000-200000 *19/120) * 4.9%/12 =1673.47.

(2) Repay the principal and interest with equal amount in advance after five years.

Repayment after 5 years (60 months): 211.55 * 60 =126693.

In which the interest amount = (200000 * 4.9%/1211.55) * [(1+4.9%/12) 60-65438+.

Principal amount:126693-38857.38 = 87835.62.

Residual principal (one-time repayment): 200000-87835.62 =112164.38.

(3) When signing a loan contract, you can choose the repayment method of average capital and equal principal and interest; If not, the repayment method of equal principal and interest is bank default.