Between 4200 yuan and 4620 yuan. The bank's annual loan interest rate is not determined out of thin air. It needs to fluctuate on the latest benchmark interest rate issued by the central bank, and it should also be combined with multiple factors such as the bank's own situation and local policies. The loan interest rate of most banks will rise by about 10%-20% on the latest benchmark interest rate of the central bank. Suppose a user applies for a loan of 654.38 million yuan in a regular bank, and the latest one-year benchmark interest rate of the central bank is 3.85%. According to the standard of increasing 10%-20%, the annual interest of users applying for 654.38 million yuan is between 4,200 yuan and 4,620 yuan. The above is still a theoretical calculation method. Users apply for special loans such as student loans and provident fund loans, and the calculation of interest rates is another matter. The specific loan interest still depends on the actual loan interest rate, and the personal qualifications of users are different. Users' personal qualifications are better, and the loan interest rate they apply for will be lower. Need to remind everyone that if you choose some online micro-loans launched by banks when applying for loans, the loan interest rate will be higher than that of ordinary bank loans. Online lending is more suitable for users who are in urgent need of money, because the speed of online lending is faster.