이 가격이 어떻게 나오는지 궁금합니다(유)

가격:32,210,000원 / 선수4,000,000원 / 금리 4.2% / 기간 48개월
취득세 : 1,610,500원(차량가액 5%)
등록세 : 644,200원(차량가액 2%)
월납입금 : 639,483원
월별할부금액
개월월납입금원금이자남은금액
1639,483526,748112,73531,683,252
2639,483528,592110,89131,154,660
3639,483530,442109,04130,624,219
4639,483532,298107,18530,091,921
5639,483534,161105,32229,557,759
6639,483536,031103,45229,021,729
7639,483537,907101,57628,483,822
8639,483539,79099,69327,944,032
9639,483541,67997,80427,402,353
10639,483543,57595,90826,858,779
11639,483545,47794,00626,313,301
12639,483547,38692,09725,765,915
13639,483549,30290,18125,216,613
14639,483551,22588,25824,665,388
15639,483553,15486,32924,112,234
16639,483555,09084,39323,557,144
17639,483557,03382,45023,000,111
18639,483558,98380,50022,441,128
19639,483560,93978,54421,880,189
20639,483562,90276,58121,317,287
21639,483564,87274,61120,752,414
22639,483566,85072,63320,185,565
23639,483568,83370,64919,616,731
24639,483570,82468,65919,045,907
25639,483572,82266,66118,473,085
26639,483574,82764,65617,898,258
27639,483576,83962,64417,321,419
28639,483578,85860,62516,742,561
29639,483580,88458,59916,161,677
30639,483582,91756,56615,578,759
31639,483584,95754,52614,993,802
32639,483587,00552,47814,406,798
33639,483589,05950,42413,817,738
34639,483591,12148,36213,226,617
35639,483593,19046,29312,633,428
36639,483595,26644,21712,038,162
37639,483597,34942,13411,440,812
38639,483599,44040,04310,841,372
39639,483601,53837,94510,239,834
40639,483603,64435,8399,636,191
41639,483605,75633,7279,030,434
42639,483607,87631,6078,422,558
43639,483610,00429,4797,812,554
44639,483612,13927,3447,200,415
45639,483614,28225,2016,586,133
46639,483616,43123,0515,969,702
47639,483618,58920,8945,351,113
48639,483620,75418,7294,730,359
이래서 이렇게 나옵니다.

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