一道关于借贷还贷的数学题史密斯先生在10年前买了套价值360,000美元的房子.现在这套房子价值450,000美元.本来

一道关于借贷还贷的数学题
史密斯先生在10年前买了套价值360,000美元的房子.现在这套房子价值450,000美元.本来房子是支付10%的首付,剩下的部分通过期限为30年的利率为11%的分期付款还清.但在还了120个月的贷款后史密斯先生现在需要现金来对房子进行重新贷款.财务公司愿意借出房子现值的105%给史密斯先生,而他将通过至少20年分期付款,以5%的利率偿还.问史密斯先生在支付了原始贷款后将收到（剩余）多少现金?
Mr.Smith bought a $ 360000 house 10 years ago.The house is
now worth $ 540000 .Originally,the house was financed
by paying 10% down with the rest financed through a 30-year mortgage at 11%
interest.After making 120 monthly house payments,Mr.Smith is now in need of
cash,and would like to refinance the house.The finance company is willing to
loan 105% of the current value of the house amortized over 20 years at 5%
interest.
How much cash will the owner receive after paying thebalance of the original loan?