49.6 thousand yuan. The annual interest rate is 6.2%, and the total mortgage amount is 800,000. The calculation method is 800,000 times 6.2% to get the result of 49,600, which is equivalent to paying 49,600 more every year. Mortgage interest rate refers to the loan with real estate in the bank, and the loan should pay interest according to the interest rate stipulated by the bank.