The loan term is 30 installments.

The annual interest rate of the loan is 58.0725%

Waiting for repayment of principal and interest

The total repayment amount is 40235. 1 yuan.

Total interest 1935+0 yuan.

The monthly repayment is 134 1. 17 yuan.

After paying off the three installments, the remaining principal is 19977.37 yuan.

Current (monthly) repayment amount after prepayment: 20944.38+05 yuan.

Interest expense saved after repayment: 15267.44 yuan.

If the penalty is 1%, the penalty is 199.77 yuan.