The monthly payment is 380,000, depending on the mortgage interest rate. At present, China's mortgage interest rate is about 1. 1 times the benchmark interest rate, that is, 5.39%. Then the monthly repayment amount is 2590.42 yuan, the total interest paid is 24 1 700.7 1 yuan, and the total repayment amount is 62 1 738. Mortgage generally adopts equal principal and interest repayment method.

Matching principal and interest refers to a repayment method. Matching principal and interest means paying the same amount of loans (including principal and interest) every month during the repayment period. This is a concept different from average capital. Although the monthly repayment amount may be lower than the average capital repayment method at first, the interest paid in the end will be higher than the average capital repayment method commonly used by banks.