A=P *—————

( 1+i)n - 1

Note: The above (1+i)n refers to the power of (1+i) n, and it cannot be marked here.

Where A is the monthly repayment amount, P is the loan amount, and I is the monthly interest rate of the loan. If the interest of 4% 5 refers to the annual interest rate here, just divide it by 12, but I think it should be the monthly interest rate here. N is the monthly loan term, such as 20 years, and n is 240.

This is the calculation of the repayment amount of the matching principal and interest repayment method with the same loan interest rate.

According to the above formula, the monthly interest of 200,000 yuan is 0.0045, and the repayment amount of Na Yue is 1.364 yuan.

If it is 200,000 yuan, 15 years, the monthly repayment amount is 1.624 yuan.