Non-commercial loans are settled at the current interest rate, and the interest rate is reduced to 70% of the basic interest rate, with an annual interest rate of 4. 158%. The total interest is100000x1.04158x12-100000 = 249800. Total interest:100000x1.06534x12-100000 = 27840.8. If repayment is made in advance, it will be settled at the current interest rate, and interest will only be accumulated in the repayment month.