Suppose it's 6%.
90 000 x 6% = 5 400
5400 x 10 year = 54000 years.
54,000 + 90,000 = 144,000
144000/10 = 1 4400/1February =1200 months.
Four years = 14400 x4 = 57600.
Outstanding = 86,400.
If you pay it off in one lump sum, it depends on which bank. How much is the interest rebate?
If the rest does not include interest, it is 000 x 6 years = 54,000 (interest rebate is 32,400).