7月7日调整后五年以上公积金贷款利率4.90%,月利率为4.90%/12 30万,30年(360个月), 月还款额: 300000*4.90%/12*(1+4.90%/12)^360/[(1+4.90%/12)^360-1]=1592.18元还款总额:1592.18*240=382123.2利息:1592.18*240-300000=82123.2说明:^360为360次方