Equal monthly repayment, 654.38+0,000 yuan, 654.38+0 years (654.38+02 months), monthly repayment:

10000*6.8%/ 12*( 1+6.8%/ 12)^ 12/[( 1+6.8%/ 12)^ 12- 1]=864.35

Interest: 864.35 *12-10000 = 372.2.

If the principal and interest due are repaid in one lump sum, the interest is:

10000*( 1+6.8%/ 12)^ 12- 10000=70 1.60

Description: 12 is the power of 12.