The bank loan of 65,438+0.5 million is repaid in three years, and the interest in the first year is 3,745.807. According to the benchmark annual interest rate of China People's Bank for 3-5 years (including 5 years): 4.75%, the term: 3 years, and the repayment method of equal principal and interest is adopted, with a monthly payment of 4,478.82. Total repayment: 16 1237.42. Total interest: 1 1237.42, annual interest: 3745.807.