Repayment will be made in thirty-six installments. There are twelve months in a year, and thirty-six months is three years. Then you start to repay the loan from1April 28, 999, and it will be due on April 28, 2002 three years later. Your repayment date is so long, the loan to be repaid every month is definitely not much, but the interest to be repaid is a lot. If there are economic conditions, it is better to pay by installments in the short term.