The total loan amount is 20,000 yuan, assuming the annual interest rate is 36.28%, and the loan period is 4 years: the monthly repayment amount of principal and interest is 794.97 yuan, the total repayment amount is 38 158.56 yuan, and the * * repayable interest is 18 158.56 yuan. The interest paid in the first month is 604.67 and the principal paid in the first month is190.3; The interest paid in the second month is 598.92, and the principal paid in the second month is 196.05.