First calculate the monthly interest rate:
Monthly interest rate = annual interest rate/12 = 4.1%12 = 0.004167.
Then calculate the total number of cycles:
Total number of issues = term × 12 = 20 years × 12 = 240 issues.
Next, calculate the monthly repayment amount:
Monthly repayment amount = (loan amount × monthly interest rate) /( 1-( 1+ monthly interest rate) (-total number of installments))
= (470,000 × 0.0034 167) / ( 1 - ( 1 + 0.0034 167)^(-240))
≈ 3,365,438+06.08 yuan
Assuming that all loans are paid off in advance after three years, the remaining loan amount is:
Remaining loan amount = loan amount-total repayment amount in three years
Total repayment amount in three years = monthly repayment amount × 36 installments.
= 33 16.08 yuan × 36
≈ 1 19378.88 yuan
The remaining loan amount = 470,000 yuan-1 19378.88 yuan.
≈35062 1. 12 yuan
Finally, calculate the interest paid within three years:
Interest paid in three years = total repayment in three years-remaining loan amount
= 1 19378.88 yuan -35062 1. 12 yuan.
≈ -23 1, 242.24 yuan
According to the calculation results, after three years, the interest on all loans repaid in advance is -23 1, 242.24 yuan. Please note that this result is negative, indicating that prepayment can reduce some interest.