I set a situation for you to calculate, but if it is different from the information you provided, the calculation result will be different.
If the repayment of principal and interest is equal, the commercial loan of 80,000 yuan 180 months (15 years) will be repaid in August 2009, then it will be repaid in July 2024; According to the adjustment and fluctuation of the national benchmark interest rate and the following information provided by you, the total repayment in these 34 months is 233,065,438+0.68 yuan, and the total interest paid is 65,438+03,327.57 yuan;
From August 2009, the monthly contribution was 672.49 yuan at the annual interest rate of 5.94% until February 20 10. During this period, the total monthly repayment is 1 1432.4 1 yuan, and the remaining principal is 75 108.76 yuan;
From 20 1 1 to 1, based on the annual interest rate of 6.4%, from 20 1 1 to 12, the monthly contribution is 690.89 yuan; During this period, the total monthly repayment is 8,290.73 yuan, and the remaining principal is 7 1520.96 yuan;
From 20 12 years 10 to 20 12 may, the monthly contribution shall be 7 15.7 1 yuan at the annual interest rate of 7.05%; During this period, the total monthly repayment is 3,578.54 yuan, and the remaining principal is 70,025.89 yuan.
Therefore, if it is paid off in advance at this time, the amount to be paid is 70,025.89 yuan, plus about twice the monthly interest (4 13. 18 yuan) as liquidated damages.