Well, the interest rate of 3.09% here refers to the monthly interest rate, that is, the principal is 50,000 yuan, so the monthly interest is 1.545 yuan, the loan term is 3 years and 36 installments, and the principal share is 1.388 yuan, so the monthly repayment amount is 2,933.89 yuan, and the total interest repaid in 3 years is 55,620 yuan ~