They will have to tell how long and how much it would take to pay off a card if the holder makes only the lowest monthly payment.

VOA: special.2009.05.22

Then to get the monthly payment, you take the square bracketed thing and you divide by the mortgage balance and that's the monthly payment; that's how it's calculated.

如果要算每月偿还额,你用贷款余额,除以这个方括号的值,这样就得出每月偿还额,这就是每月偿还额的计算方法

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