If you want to return a fixed amount every month, you can choose to apply for consumption installment. There are five installments to choose from, 3, 6, 12, 18, and 24. Paying a certain handling fee every month is more cost-effective than returning the minimum, and the repayment pressure is also less. 24 periods, the handling fee is 0.6/month, calculated:

Handling fee: 40000*0.006=240 yuan for 24 months*** 240*24=2880 yuan

Principal: 40000/24=1666.67 yuan

If divided equally, the monthly return is: 1666.67 120=1906.67 yuan.