It is calculated according to the loan. The annual interest rate of Happy Seconds Loan of Changsha Bank is generally 10.8%, and the loan interest should be calculated according to the loan term. For example, if the loan is 1 0,000 yuan, the annual interest on/kloc-0 is 1 0,000 *10.8% =10,080 yuan. However, if 1 0,000 yuan is borrowed for three months, the loan interest is10,000 *10.8%/12 * 3 = 270 yuan.