Legal analysis: different loan methods have different interest rates. If it is a commercial loan, the benchmark interest rate set by the central bank is 4.9%, and the loan is 200,000. If you choose a loan with equal principal and interest, you need to repay 211.55 yuan every month, with a total interest of 53,385.75 yuan and a total principal and interest of 253,385.75 yuan. If equal principal repayment is selected, the repayment in the first month is 2483.33 yuan, with a monthly decrease of 6.8 1 yuan, and the total interest is 49,408.33 yuan, and the total principal plus interest is 249,408.33 yuan. The specific amount is subject to the bank.

Legal basis: Article 17 of the Measures for the Administration of Individual Housing Loans states that if real estate is used as mortgage, the mortgagor and the mortgagee shall sign a written mortgage contract and go through the mortgage registration formalities at the department designated by the local people's government at or above the county level before the loan. The relevant contents of the mortgage contract shall be determined in accordance with the provisions of Article 39 of the Guarantee Law of People's Republic of China (PRC).