Zhu Xiao and Xiao Zhao are going to buy a house and get married after graduating from college. They took a fancy to a house with a current price of 2 million and a down payment of 3.

1, (1+10 * 4.05%) * 40 * 70%/120 = 3278 yuan.

Principal = 40 * 70%/ 120 = 2333 yuan, and interest =945 yuan.

2. (1+20 * 4.05%) * 40 * 70%/240 = 2112 yuan.