The loan principal is 65,438+098,000 yuan, and the principal and interest will be repaid in 36 equal installments within three years, with repayment of 7,335 yuan per installment. The annual interest rate is 19.8%.

7335*36- 198000=66060/36/ 198000=0.009268

1.0 165^36*0.0 165/( 1.0 165^36- 1)* 198000=7338.227777 , 1.65* 12= 19.8 。