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How to calculate interest on Taobao loan of 10,000 yuan?

The current Taobao credit loan interest calculation:

1. A 12-month equal principal credit loan, with a daily interest rate of 5/10,000, and the annual interest of 10,000 yuan is 812.5 yuan; ( Warm reminder: There will be a certain handling fee for early repayment in the first 9 periods)

2. The principal will be repaid with monthly interest in 6 months, with a daily interest rate of 5.5/10,000. The interest will be charged based on the actual number of days of use, that is, 5.5 yuan a day, count how many days;