2.6 times 12 equals 3 1.2, which is the annual interest rate, then 3 10000 times 3 1.2% equals 96720, which is the interest for one year, and finally 96720 times 5 equals 483600. So your monthly loan is 3 1 0,000 yuan, which is 483,600 yuan interest for 2.6 years.