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\frac{7\times 5y}{20y}-\frac{3\times 4}{20y}
To add or subtract expressions, expand them to make their denominators the same. Least common multiple of 4 and 5y is 20y. Multiply \frac{7}{4} times \frac{5y}{5y}. Multiply \frac{3}{5y} times \frac{4}{4}.
\frac{7\times 5y-3\times 4}{20y}
Since \frac{7\times 5y}{20y} and \frac{3\times 4}{20y} have the same denominator, subtract them by subtracting their numerators.
\frac{35y-12}{20y}
Do the multiplications in 7\times 5y-3\times 4.