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Hello, I want you to help me calculate the loan of 230,000 yuan 10 year. Commercial loans are more than provident fund loans.
Matching principal and interest method: commercial loan principal: 230,000 yuan, assuming annual interest rate: 4.900%, loan life: 10, monthly repayment amount of principal and interest: 2,428.28 yuan, total repayment amount: 29 1.393.6 yuan, * * repayable interest: 61.

The interest paid in 1 month is: 939.438+07; The principal repayment of the first 1 month is:1489.11; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)

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Matching principal and interest method: provident fund loan principal: 230,000 yuan, assuming annual interest rate: 3.250%, loan life: 10, monthly repayment amount of principal and interest: 2,247.54 yuan, total repayment amount: 269,704.8 yuan, * * interest payable: 39,704.8 yuan.

The interest paid in 1 month is: 622.92; The first 1 month principal repayment is:1624.62; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)