1. Monthly repayment:

Interest before principal = loan principal × (annualized loan interest rate12);

2. Repayment by quarter:

Interest before principal = loan principal × (annualized loan interest rate ÷ 4);

3. Annual repayment:

Interest before principal = loan principal × annualized loan interest rate.

Suppose the loan term is 3 years, the loan amount is 100000 yuan, and the annual interest rate is 12%. The interest calculation formula is as follows:

1. Monthly repayment:100000× (12% ÷12) =1000 yuan.

2. Annual repayment:100000× (12% ÷ 4) = 3000 yuan.

3. Annual repayment:100,000×12% =1.20,000 yuan.