Bank loans usually consider the loan interest rate and repayment period, and calculate the repayment amount according to the loan amount, repayment period and interest rate. When calculating the repayment amount, the longer the repayment period, the higher the interest rate, which will lead to the actual repayment amount exceeding the loan amount.

In addition, due to the different credit ratings of lenders, the repayment period and interest rate may also be different. If you are in doubt, I suggest you consult the loan bank about the specific repayment amount and loan calculation method.