The down payment ratio of 654.38+0.44 million yuan is 30%, that is, the down payment is about 654.38+0.44 million yuan x 30% = 432,000 yuan, and the monthly payment is about 7987 yuan.

Take the purchase of Tianchen Mansion 1 bathroom in Yichang Center as an example. The area is about 85m2, and the total house price is about 1.44 million yuan. It's a mortgage purchase, with a down payment of 30%. The loan type is commercial loan, and the commercial interest rate is 4.9%.