Pay 180,000, loan 53-18=350,000

5-year term (60 periods): repayment 406933.33, of which 56933.33 is interest, monthly repayment amount decreases, 7700 for one month and 5864 for the last month.

10-year period (120 periods): repayment is 465580.21, of which interest is 115580.21. The monthly repayment amount is decreasing, 4827.09 in the first month and 2932.59 in the last month. .