1. If interest is included, 90,000 yuan will be divided into 24 installments. If the annual interest rate of the loan is 65%, the total interest is 44.24 million yuan, the total repayment is 90,000 yuan, and the monthly repayment should be 3,934.33 yuan.

If you don't count interest, you can repay 90 thousand yuan to the private person.