The difference between 3.25 and 3.575 loans is 500,000 and 650,000. Users apply for a provident fund loan of 500,000 yuan, which will be repaid in 20 years with an annual interest rate of 3.25%. If the repayment is made by matching principal and interest, the monthly repayment will be 2,835.98 yuan, and the total interest will be18034,438+0 yuan. 428 months, the interest rate is 3.25, so the total repayment should be 650 thousand.