real estate development company has introduced several installment payment methods. One is to pay 40,000 yuan in the first year and 10,000 yuan a year thereafter; the other is to pay 14,000 yuan a year for the first half of the time, and The time payment is 11,000 yuan per year, and the total number of payments and the number of payment years for the two payment methods are the same. If you make a one-time payment, you can pay 5% less of the house payment. Now Mr. Chen wants to buy a house, and pay for the house in one lump sum. Please do the math for him. How much does he need to pay for the house?
某房产开发公司推出几种分期付款的购房方式，一种是开始第一年先付4万元，以后每年付1万元；另一种是前一半时间每年付款1万4千元，后一半时间每年付款1万1千元，两种付款方式的付款总数和付款年数相同．如果一次性付款，可以少付房款的5%．现在陈老师想购房，而且一次性付出购房款．请你帮他算一算，他需付房款多少万元？
<gadget id="calculator">1.25 - 1</gadget>
<output>0.25</output>

<gadget id="calculator">3 / 0.25</gadget>
<output>12</output>

<gadget id="calculator">3 + 12</gadget>
<output>15</output>

<gadget id="calculator">5 / 100</gadget>
<output>1/20 = around 0.05</output>

<gadget id="calculator">1 - (1/20)</gadget>
<output>19/20 = around 0.95</output>

<gadget id="calculator">15 * (19/20)</gadget>
<output>57/4 = around 14.25</output>

<result>57/4 = around 14.25</result>