Suppose you are moving after five years, you took out a thirty-year mortgage and you're moving after five years.

假设你已经偿还了五年贷款,你的贷款总期限是30年,你已经还了五年

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So it was like a big shock to me because after five years, I thought I know the language.

所以，这对我来说，就是一个很大的打击，因为五年的学习以后，我以为我掌握这门语言了。

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They go back to this formula. If you sold it after five years, then there are twenty-five years left, so 25 x 12 is the number of months left; they plug that into this formula.

如果五年后卖掉房子,他们又搬出公式,此时剩余期限是20五年,所以剩余月份数是25乘以12,把月份数代入这个公式

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