According to the formula that the interest is equal to the loan amount multiplied by the loan time multiplied by the interest rate, if the user borrows for one year and the annual interest rate is 3.65, the loan interest of 654.38+10,000 yuan is 3,600 yuan. Interest rate refers to the ratio of the interest amount due in each period to the face value of the borrowed, deposited or borrowed amount. The total interest of the lent or borrowed amount depends on the total principal, interest rate, compound interest frequency and the length of time of lending, deposit or borrowing.