1. Suppose the annual interest rate is 5%.
2. Divide the loan amount of 80,000 yuan by the loan period of 3 years, and the annual repayment principal is 80,000/3 = 26,700 yuan.
3. Repay the principal of 26,700 yuan/12≈0.22 million yuan (i.e. 2 200 yuan) every month.
4. According to the annual interest rate of 5%, the monthly interest can be calculated as (remaining unpaid principal) × (annual interest rate/12), that is, (80,000-principal paid in the current month )× (5%/12).
5. The interest of the first month is (80000-0)×(5%/ 12)≈333 yuan.
6. So the total repayment amount in the first month is 2200 yuan (principal) +333 yuan (interest) ≈2533 yuan.
To sum up, the monthly repayment amount is about 2533 yuan. Please note that this figure is only an example, and the actual repayment amount may change due to different interest rates, repayment methods or other conditions.
Extended data:
According to China's relevant laws and regulations, banks and financial institutions need to comply with a series of regulatory requirements when providing vehicle loans, including loan interest rate, repayment period and repayment method. Lenders should know and choose the appropriate loan scheme, repay the principal and interest on time during the repayment process, and avoid overdue fees and damage to credit records.