For example, in June 2000, you borrowed 654.38 million yuan, with a repayment period of 20 years. In 2007, you changed the repayment period to 10 year. Assuming that you have paid back 50,000 yuan by 2007, of which 20,000 yuan is the principal, your loan amount will become10-2 = 80,000 yuan from 2008.