Matching principal and interest method: the total loan amount is 380,000, assuming the annual interest rate is 4.90%. The loan term is 20 years: the monthly repayment of principal and interest is 2,486.89 yuan, the total repayment is 596,853.6 yuan, and the * * interest payable is 216,853.6 yuan. The interest paid in the first month is 155 1.67, and the principal paid in the first month is 935.22; The interest paid in the second month is 1547.85 and the principal paid in the second month is 939.04. Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)