Matching principal and interest method: loan principal: 60,000 yuan, assuming annual interest rate: 4.750%, loan life: 3 years; Monthly repayment amount of principal and interest: 179 1.53 yuan, total repayment amount of principal and interest: 64,495.08 yuan, total interest payable: 4,495.08 yuan. The interest paid in 1 month is: 237.5; The repayment principal of 1 month is:1554.03; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)