1. Commercial loan is paid off in 65,438+050,000 65,438+00 years. According to the benchmark interest rate of 4.9 and the repayment method of matching principal and interest, the monthly repayment is 1583.66 yuan, the total interest is 40039.35438 0 yuan, and the total repayment is 190039+0 yuan.

2. Matching principal and interest refers to a repayment method of housing loan, that is, repaying the same amount of loan (including principal and interest) every month during the repayment period.

3. The calculation formula of monthly repayment amount is as follows:

[loan principal × monthly interest rate ×( 1+ monthly interest rate) repayment months ]=[( 1+ monthly interest rate) repayment months-1]