With 36 loans, the monthly repayment will be reduced by 40 yuan, and more money will be reduced in 36 months.
1440 yuan. It is necessary to calculate the sum of the reduction in the monthly repayment amount of the mother within 36 months. It is known that the monthly repayment is reduced by 40 yuan, and the loan term is 36 months. According to the sum = monthly repayment amount x loan months, the sum of monthly repayment amount reduction within 36 months can be calculated as 40x36= 1440 yuan.