Equal principal and interest method: Loan principal: 20,000, assumed annual interest rate: 5.700%, loan term: 2 years: The monthly repayment of principal and interest payable is: 883.71 yuan, the total including principal and interest The repayment amount is: 21,209.04 yuan, ***interest payable: 1,209.04 yuan. The first month's interest repayment is: 95; the first month's principal repayment is: 788.71; thereafter, the monthly interest repayment amount decreases and the principal repayment increases. (Interim interest rate adjustments are not taken into account)