The commercial loan is 360,000 yuan, which will be repaid in 30 years. The monthly payment is 19 10.62 yuan, and the total interest is 32,7821.83 yuan.

The longer the loan term, the less the monthly payment and the more the interest.

It is recommended to repay long-term loans in the short term. In other words, you can sign a loan contract for 30 years (or 25 years). After a year of normal repayment, if you have money, you can repay in advance and shorten the loan period, which can be relatively controlled.