30,000 yuan, 3 years (36 months), monthly repayment:
30000 * 19.8%/ 12 * ( 1+ 19.8%/ 12) 36/[( 1+ 19.8%/65438)
Total repayment amount:111.85 * 36 = 40026.6.
Explanation: 36 is the 36th power.