The six-month interest rate of the loan is 5.85%; The one-year interest rate of this loan is 6.3 1%.

The loan interest varies according to the duration of the loan. If the loan time unit is days, the expected annualized interest rate is monthly interest: loan interest = loan principal × loan time (days) × expected annualized interest rate/12. If the loan time unit is days, the expected annualized interest rate is the annual interest rate: loan interest = loan principal × loan time (days) × loan expected annualized interest rate /360.