There are two methods commonly used in concrete calculation, one is equal principal and interest repayment method, and the other is average capital repayment method. Taking the average capital repayment method as an example, the monthly repayment of principal is

: Total loan amount/loan term/12. If the loan lasts for 20 years, the monthly principal repayment is: 200,000/20/12 = 833.33.

Repayment of interest in the first month: total loan * interest rate (year) /360 days * actual days of the month. For example, if there are 30 days in a month, the interest in the first month is: 200,000 * 0.35%/360 * 30 = 58.33, and the principal calculated in the second month is: the total loan minus the repaid principal, and other conditions remain unchanged, and so on.