After calculation, the monthly interest rate is:. 6 18%； The annual interest rate is: 7.42%

Matching principal and interest method: suppose the annual interest rate is 7.420%, the loan term is 5 years, and the total loan amount is 65,438+0,000,000. The monthly principal and interest repayment amount is 1, 999.95 yuan, the total repayment amount is 1, 654,38+0,999.97 yuan, and the total interest payable is 1. The interest paid in the first month is 6 183.33, and the principal paid in the first month is13816.62; The interest paid in the second month is 6097.9, and the principal paid in the second month is13902.05; Since then, the monthly interest repayment amount has decreased and the principal has increased. (without considering the adjustment of interest rate in the middle)

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The number of months returned is 18 months; The total interest paid is 97,787.62, the total principal paid is 262,265,438+065,438+0.48, the remaining principal paid is 737,788.52, and the interest of the last installment is 4,562 (without considering the adjustment of the midway interest rate)//Now it needs to be paid off: ￥ 742,300.