At present, the annual interest rate of provident fund loans for more than five years is 3.25%. Under the condition of constant interest rate, the repayment method of equal principal and interest is adopted. The total interest is 74 145.06 yuan, and the monthly repayment amount is 1967.47 yuan. Using the average capital method, the total interest is 68,629.17 yuan, and the monthly repayment amount decreases month by month.

In some cities, China Merchants Bank provides provident fund loans. You can dial 95555 at 8:30- 18:00, select "2 manual services-"1"personal banking-"4 "personal loan business, and enter the city where manual services provide loans to learn more about its use.