If the average capital is used for repayment, the commercial loan will be 300,000 yuan 120 months (10 year), and the repayment will start in May 2065, and it will be 438+00 yuan, so the repayment will be made in April 2020; According to the adjustment and fluctuation of the national benchmark interest rate and the following information provided by you, the total loan interest paid in this 120 month is 65,938.08 yuan;

From May of 20 10, the annual interest rate was 5.94%, and it was 3,539.5 yuan in the first month, with a monthly decrease of 8.66 yuan. During this period, the total monthly repayment is 28,073.45 yuan, and the remaining principal is 280,000 yuan.

From 20 1 1 year, 1 year, 30% discount will be given at the annual interest rate of 6.4%. By 20 1 1 year,1February, the first month's contribution will be 3,545.33 yuan, with a monthly decrease of 9.33 yuan. During this period, the total monthly payment is 4 1928 yuan, and the remaining principal is 250,000 yuan.

From June 20 12 to June 12, the annual interest rate was 7.05%, and from April 20 12, the first monthly payment was 3528. 13 yuan, and the monthly payment was reduced by 10.28 yuan; During this period, the total monthly repayment is 14050.8 1 yuan, and the remaining principal is 240,000 yuan;

At this time, the prepayment is 30,000 yuan, and the remaining principal is 2 10000 yuan. The remaining repayment period is not changed to 96 months.

From May 20 12, the annual interest rate will be 7.05%. By April 2020, the first month's contribution will be 305 1. 13 yuan, and 9 yuan will decrease month by month. During this period, the total monthly payment was 2,565,438+0,885.438+0 yuan, and all the loans were paid off.