这是怎么回事呀?请指教

每月还款1572.925元,以下是商贷利率表
商贷利率表
年份 月 月利率‰ 年利率% 月还款额 利息合计
5 6 4.050 4.860 到期一次还本付息
1 12 4.388 5.265 526.50
2 24 4.523 5.427 440.628 575.09
3 36 4.523 5.427 301.630 858.68
4 48 4.590 5.508 232.601 1164.86
5 60 4.590 5.508 191.048 1462.91
6 72 4.793 5.751 164.556 1848.03
7 84 4.793 5.751 144.894 2171.16
8 96 4.793 5.751 130.205 2499.70
9 108 4.793 5.751 118.829 2833.63
10 120 4.793 5.751 109.774 3172.91
11 132 4.793 5.751 102.405 3517.51
12 144 4.793 5.751 96.301 3867.39
13 156 4.793 5.751 91.170 4222.52
14 168 4.793 5.751 86.802 4582.85
15 180 4.793 5.751 83.046 4948.35
16 192 4.793 5.751 79.786 5318.95
17 204 4.793 5.751 76.934 5694.60
18 216 4.793 5.751 74.422 6075.27
19 228 4.793 5.751 72.196 6460.88
20 240 4.793 5.751 70.214 6851.37
21 252 4.793 5.751 68.439 7246.70
22 264 4.793 5.751 66.844 7646.79
23 276 4.793 5.751 65.404 8051.