Hello, if the repayment method of equal principal and interest is used, the interest at the end of 36 months is 38,432.75 yuan, and the principal and interest are 338,432.75 yuan. If the average capital repayment method is used, the interest at the end of 36 months is 37,000.00 yuan, and the principal and interest are 337,000.00 yuan. I don't know which one you use. This is different from the way you choose a loan, and the interest is different. There is also a method of calculating interest on a monthly basis and repaying the principal irregularly.