Conversion method, the interest rate is equal to the interest divided by the principal, that is, 363÷ 10000=0.0363, and the interest rate is 3.6%.

If the loan term is one year 10000 yuan, the total principal and interest of the lender after one year is 10363 yuan, which means that the lender needs to pay interest of 363 yuan after one year. For most lenders, it is relatively easy to borrow 10 thousand yuan from the bank, because as long as the lender has a stable job, the bank card has a certain flow and the personal credit record is good.