Annual repayment amount = principal * annual interest rate *( 1+ annual interest rate) n/[(1+annual interest rate) n- 1]

500000 * 4.425% * (1+4.425%) 10 divided by (1+4.425%)10 and then get-1.

Rmb+19990 in 0 yuan .19990.99999999999996

In 10, a total of 629566+38 were returned to 0 yuan.