The provident fund loan is 400,000 yuan, which will be paid off in 10. According to the benchmark interest rate of 4.9, the monthly payment is 4,223.2 yuan, and the total interest is 106784 yuan.

The provident fund loan of 400,000 yuan was paid off in +05. According to the benchmark interest rate of 4.9, the monthly payment is 365,438 yuan +042.4 yuan, and the total interest is 65,438 yuan+065,632 yuan.

If the financial situation is good, you can choose 10 year. It depends on your income and expenses.