The daily interest rate is 50,000 yuan, which is converted into monthly interest rate 1.5‰, and the monthly interest rate is 5% of the original interest rate.

The first month interest =500× 15‰=7.5 yuan.

Late payment fee = original interest ×5%=(500+7.5)×5%=23.375 yuan.

Total arrears in the first month =500+7.5+23.375=530.875.

In January, I was charged 30.875 yuan.

For two years,