Matching principal and interest method: loan principal: 20,000 yuan, assuming annual interest rate: 4.750%, loan life: 2 years, monthly repayment amount of principal and interest: 875. 19 yuan, total repayment amount: 2 1004.56 yuan, * * repayable interest:1004. The interest paid in 1 month is: 79.17; The first 1 month principal repayment amount is: 796.02; Since then, the monthly interest repayment amount has decreased and the principal has increased.