6% interest is equivalent to 0.6% monthly interest. If you borrow 65,438+10,000 yuan a month, the interest is 100000*0.6%=600 yuan. When the monthly interest rate of 0.6% is converted into the annual interest rate, that is, 0.6%* 12=7.2%, if the loan is borrowed for one year, the total interest for repayment of the principal and interest with equal amount is 3,942.77 yuan, and the total interest for repayment of the principal with equal amount is 3,900 yuan. If the interest is calculated according to the one-time repayment of principal and interest, the interest is 100000*7.2%=7200 yuan.