African ******s

im currently having a loan with African bank. i took a loan of R90 000,00 and im currently paying R3 417,65 per month for 72 months of which that will be R246 070,80 my balance currently is R49 000,00. my surprise is that when i ask for settlement is still the same of R49000,00 is the amount i should pay. now i ask myself if i pay all i owe to African bank do i still have to pay interest of the months that i would have already payed ? isnt this day light *******? is it permissible by law? People think twice before you use this bank take my advice ask me about their service.