At present, the benchmark annual interest rate of one-year loans is 6.56%, and the actual general interest rate of loans will rise by 30%, that is, 8.528%. If calculated in this way, the annual interest of 654.38 million yuan should be 8525 yuan. However, the use of disability card loans can enjoy the welfare benefits of relevant national policies and reduce interest rates. The specific provisions of major banks are not the same, and the actual situation shall prevail.