Millie takes a loan from a bank under the below shown conditions. She agrees to make payments at the end of each month, and decides to pay an extra amount as shown. When will her last payment be and for how much?

House cost		$475,000
Down payment	10%	$47,500
Loan amount	PV	$427,500
Rate of interest		3.250%	APR
Rate of interest (nominal per month)	Rate	0.271%	p. m. c. m.
Loan term		30	years
	Nper	360	months
Additional payment per month		$500
Additional payment for	1st 60 months