The monthly payment is 5307 yuan. 1 10,000 mortgage for 30 years, and the loan interest rate is 5. 1%, so the total interest for 30 years is10.05 million, and 5,696.73 yuan will be paid back every month. After the interest rate cut, the loan interest rate is 4.9%, the total interest for 30 years is 9 1 000 yuan, and the monthly repayment is 5,307 yuan. Equal principal and interest, repayment at different interest rates, 30-year total interest difference of 654.38+0.4 million, monthly repayment difference of 389 yuan.