166000, rounded to 170000.

38× ( 1-0.6)/( 1-8.45%) = 166,000.

Why is it unreasonable?

Because the amount brought by normal needs is 38×( 1-0.6)= 15.2.

The interest is15.2× 8.45% =1.2844 million.

The required repayment is15.2+1.28 =16.48.

However, Ann's current algorithm needs to pay back 6.5438+0.66 million, which is obviously unreasonable.