According to the meaning of the question, the loan principal is 654.38 million yuan, that is, 100000 yuan.

The daily interest rate is the interest calculated on a daily basis, expressed as a few ten thousandths of the principal, usually called a few cents a day. If the daily interest rate is 1%, that is, the principal is 1 yuan and the daily interest rate is 1%.

The interest rate is 3%, the current interest rate is 0.03%, and the loan term is 3 years.

According to the formula, annual interest rate = daily interest rate *360.

If the data in the question is substituted, the annual interest rate =0.03%*360= 10.8%.

According to the formula, interest = principal * interest rate * time

Then the interest for three years =100000 *10.8% * 3 = 32400 (yuan).

Then the sum of principal and interest for three years =100000+32400 =132400 (yuan)

Extended data:

Formula 1: daily interest rate = daily interest deposit (loan) amount * 100%

Formula 2: Daily interest rate =? Monthly interest rate ÷30

Formula 3: Daily interest rate =? The annual interest rate is 360.

Matters needing attention in loan:

1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.

2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.

3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.

4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.

Baidu encyclopedia-daily interest rate