42546 needs to be returned every month. 93 yuan. To calculate a loan of 5 million, in 3. At an annual interest rate of 85%, how much do you need to pay back every month? Assume that the total loan amount is P (principal), and the monthly repayment amount is set to M. It is a common calculation method to use the equal principal and interest repayment method to calculate the monthly repayment amount. The formula for monthly payment of m is: m = p× r (1-(1+r) (-n)), where r is the monthly interest rate (annual interest rate 12) and n is the total number of months (number of years× 12). According to the title conditions, P=5, and the annual interest rate is 3. 85% (converted to decimal form is . 385), the loan term defaults to 1 year, and it is calculated by substituting it into the formula. You need to pay back 42546 every month. 93 yuan.