Principal of each installment = 70,000/36 =1944.44 yuan.

Installment fee for each period = 70,000 * 0.004 = 280 yuan/period.

The amount returned by installments = 1944.44+280=2224.44 yuan.

Assuming that it is paid off after one year, the remaining outstanding principal =1944.44 * (36-12) = 46,666.56 yuan.

However, the bank stipulates that the bank will not charge the installment fee for the remaining unpaid installment payment, and the fees already charged will not be refunded. Therefore, the installment fee has been charged =280* 12=3360 yuan, and the remaining unpaid principal will be settled in the latest installment bill after early termination. Moreover, we should pay attention to the minimum repayment amount.