The monthly interest rate of the actual loan 100w may be higher than the above data. Interest is calculated according to the benchmark interest rate of 4.35% for commercial loans and 2.75% for provident fund loans. The actual interest rate of banks is higher than the benchmark interest rate. The calculation method of average capital and principal and interest is the same as that of one month's interest, that is, 654.38+00,000× interest rate ÷ 654.38+02, and interest can be earned.