1) Loan at the beginning of each year for 4 years1ten thousand, with an annual interest rate of 5%. The total value at the end of four years is f =10000× (1+0.05) 4-1/0.05 = 4.31065438. Accumulated interest =3 10 1.25 yuan, 4,31kloc-0/.25 yuan paid the bank at the end of four years, and the government assumed half of the accumulated interest, namely 3101.25/2. Also pay the bank P=4 1550.63 yuan.

If it is planned to be paid off in six years, the discount rate at the end of each year is a = 41550.63x {0.05x (1+0.05) 6/(1+0.05) 6-1} = 4/kloc-0.

2) Borrow RMB 65,438+00,000 from the bank with a term of 5 years and an annual interest rate of 65,438+00%. The calculation is as follows: the loan at the beginning of the year will be repaid in installments at the end of the year. The calculation method is the same as that in the second question of the first question, that is, the discount rate A =10000× {0.1.1) 5/(1+0.65433).