1. The current annual interest rate for one-year bank deposits is 2.25
One-year deposit interest = principal × interest rate × term
Interest = 2000000 × 2.25= 45,000 yuan
2. Annual loan interest rate: six months to one year (inclusive) 5.31
One-year loan interest = 2,000,000 × 5.31 = 106,200 yuan
Note: Loan interest for normal repayments is calculated based on the simple interest method, and interest for overdue repayments is calculated based on compound interest.