Lush Gardens Co$.$ bought a new truck for $$52,000.$ It paid $$5,200$ of this amount as a down payment and financed the balance at $4\mathrm{.}96\%$ compounded semi$-$annually. If the company makes payments of $$2,200$ at the end of every month, how long will it take to settle the loan?

Express the answer in years and months, rounded to the next payment period