Of the five-year average capital, the repayment in the first month is 3,978.33 yuan, and the repayment in the last month is 3,344.08 yuan, with equal principal and interest. The monthly repayment is 36,765,438 yuan +0.58 yuan, and the monthly salary is twice the repayment amount, 8,000 yuan.

Matching principal and interest repayment method: repay the same amount of loan principal and interest every month, in which the interest decreases month by month and the principal increases month by month.

Average capital repayment method: repay the same amount of principal every month. With the reduction of the principal, the monthly interest is also reduced, and the monthly repayment amount is also reduced accordingly.

Calculation formula of equal principal and interest: [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months] [(1+ monthly interest rate) × repayment months-1]

Average fund calculation formula: monthly repayment amount = (loan principal/repayment months)+(principal-accumulated amount of repaid principal) × monthly interest rate.