Monthly repayment 1089 yuan, 57 months total * * is: 1089*57=62073 yuan.

62073-45000 = 17073 yuan.

57 * * * 17073 yuan or more.

Extended data:

According to Article 211 of the Contract Law: "If the loan contract between natural persons stipulates to pay interest, the loan interest rate shall not violate the relevant provisions of the state on limiting the loan interest rate".

At the same time, according to the relevant provisions of "Opinions of the Supreme People's Court on People's Courts Handling Lending Cases": "The interest rate of private lending may be appropriately higher than that of banks, but the maximum shall not exceed four times that of similar loans of banks".

The benchmark interest rate for the same period refers to the benchmark interest rate announced by the central bank, such as 1 year. The benchmark interest rate is about 5%, which is four times that of 20%, that is, more than 20% is legally recognized as usury.

Some loan projects of Gitzo Company have exceeded the interest rate of 20%, so they are considered usurious.