The monthly interest rate of ginza bank decoration loan is between 0.23% and 0.28%. According to relevant public information, most banks' renovation loans are calculated according to monthly interest. Under normal circumstances, the monthly interest rate of bank decoration loans is between 0.23% and 0.28%. If the annual interest rate is converted, the annual interest rate of bank decoration loans is generally between 7.5% and 8.5%. Assuming that the borrower borrows 654.38 million yuan and the installment period is one year, then according to 7.5%-8.5%,