The profit of 5 cents mentioned by ordinary people is 5% per month. Take 1 ten thousand yuan as an example. If the interest is calculated at 5 cents, you have to pay one month's interest: 10000×5%=500.00 yuan. Note: this interest rate is too high and belongs to usury. According to national laws and regulations, the part that exceeds the bank's loan interest rate for the same period by 4 times will not be protected by law. According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases.