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A third off 6 months means to reduce 6 months by one-third. To calculate this, you take one-third of 6 months, which is 2 months, and subtract it from 6 months. Therefore, 6 months minus 2 months equals 4 months.
4-6 months
Assuming the annual equivalent interest rate is 4.2%, it will take just over 81 months = 6 years + 9 months.
Taking 4.5 years as 4 years and 6 months, then that is 54 months, so they are the same. If you take exactly half a year, starting from the 1st of January, it brings you to the 2nd of July, so that is just over 6 months. So on that basis it is a bit longer than 54 months.
Oh, dude, one-third of 20 months is like 6.66666666667 months. But, like, since we can't have a fraction of a month in real life, it's basically 6 months and a few days. So, you know, if you're planning something for 20 months, just round down and say it's gonna take about 6 months.