At present, the interest rate of provident fund loans for more than five years is 3.87%, and the monthly interest rate is 3.87%/ 12=0.3225%. At present, the interest rate of commercial loans for more than five years is 5.94%, the first suite is 30% off, and the monthly interest rate is 5.94%*0.7/ 12=0.3465%.

I. 15

The accumulation fund is 250,000 yuan 15 years (180 months), and the monthly repayment amount is:

[250000 * 0.3225% * ( 1+0.3225%) 180]/[( 1+0.3225%) 180- 1] = 65438.

Total interest:1832.98 *180-250000 = 79936.40.

Provident fund190,000 yuan, 15 years (180 months), and the monthly repayment amount is:

[ 190000 * 0.3225% * ( 1+0.3225%) 180]/[( 1+0.3225%) 180- 1

Total interest:1393.06 *180-190000 = 60750.8.

The commercial loan is 60,000 yuan, 15 years (180 months), and the monthly repayment amount is:

[60000 * 0.3465% * ( 1+0.3465%) 120]/[( 1+0.3465%) 120- 1] = 448.50.

Total interest: 448.58 *180-60000 = 20744.4.

Poor: 60750.8+20744.4-79936.4 =1558.8.

Second, 10 year

The accumulation fund is 250,000 yuan 10 year (1280 months), and the monthly repayment amount is:

[250000 * 0.3225% * ( 1+0.3225%) 120]/[( 1+0.3225%) 120- 1] = 25658.

Total interest: 2515.71*120-250000 = 51885.20.

Provident fund190,000 yuan, 15 years (180 months), and the monthly repayment amount is:

[ 190000 * 0.3225% * ( 1+0.3225%) 180]/[( 1+0.3225%) 120- 1

Total interest:1911.94 *120-190000 = 39432.80.

The commercial loan is 60,000 yuan, 15 years (180 months), and the monthly repayment amount is:

[60000 * 0.3465% * ( 1+0.3465%) 120]/[( 1+0.3465%) 120- 1] = 665438.

Total interest: 611.99 *120-60000 =13438.80.

Difference: 39432.80+13438.80-51885.20 = 986.40.

Description: 180 is 180 power, and 120 is 120 power.