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A developer sells commercial housing by installment. Xiaofangjia bought a commercial house, the current price is 654.38+0.2 million, and a down payment is required (the first year).
In X years, Xiao Ming's family needs to pay 5200 yuan, which is deduced from the meaning in the question:
5000+[( 120000-30000)-5000×(x-2)]×0.4% = 5200，
Finishing: 20x=200,
Solution: x = 10.
Answer: The Xiao Fang family needs to pay 5,200 yuan for 10.