年利率为5.88%,月利率为5.88%/12,40万,30年(360个月):月还款=520000*5.88%/12* (1+5.88%/12)^360/[(1+5.88%/12)^360-1]=3077.66利息总额:3077.66*360-520000=587957.6说明:^360为360次方