If the loan principal is: 300,000, the term is: 10 years, according to the People's Bank of China's benchmark annual interest rate for loans with a term of more than 5 years: 4.90 (under unchanged conditions), the equal principal and interest repayment method is adopted, and the monthly payment is: 3167.32 , total repayment: 380078.62, total interest: 80078.62.