房贷48万带了12年三年后又还了20万每个月还多少

^贷款年利率按5.88%计算，
（480000*(1+5.88%/12)^36*（(1+5.88%/12)^108-1）/（(1+5.88%/12)^144-1）-200000）*(1+5.88%/12)^108*5.88%/12/（(1+5.88%/12)^108-1）2265.029元。（原月还款额为480000*(1+5.88%/12)^144*5.88%/12/（(1+5.88%/12)^144-1）4654.327元。）