Loan amount × interest rate+three-year interest ÷36= monthly payment.

At present, the interest rates of many financial institutions are around 0.06-0.07, calculated according to 0.06.

80000×0.06=4800 (one year's interest)

4800×3 = 14400(3-year interest)

If you make monthly repayment, your monthly repayment is =80000+ 14400/36=2622.2 yuan.

However, in another case, in order to maximize the number of beneficiaries and the number of people, financial institutions will implement the interest-free policy in the first year, so the actual calculation should be based on the adjustment of financial institutions.