The equivalent principal and interest of commercial loans is 9763, and the equivalent principal and interest of average capital is 9481; The equal principal and interest of provident fund loan is 6286, and the equal principal and interest of average capital is 6 166 yuan. According to Xicai.com, in 2023, the annualized interest rate of rural credit cooperatives 1 year to 3-year commercial loans will be 6. 15%, and the interest rate of rural credit cooperatives' five-year and below personal housing provident fund loans will be 4%. The loan amount is 654.38 million yuan, with a term of three years. Under the commercial loan type, the interest rate is 6. 15%, the total interest of matching principal and interest is 9763, and the average total interest of capital is 9481; Under the provident fund loan type, the interest rate is 4%, and the total interest of equal principal and interest repayment is 6286, and the total interest of equal principal repayment is 6 166 yuan.