According to the meaning of the question, the loan principal is 654.38 million yuan, that is, 100000 yuan.

The loan term is 3 years, that is, 3* 12=36 months.

Monthly interest rate =0.78%, annual interest rate =0.78%* 12=9.36%.

Monthly repayment principal = 100000/36=2777.78 yuan.

Monthly repayment interest = principal * monthly interest rate

Substituting the data in the question, we can get the formula:

Monthly interest = 100000*0.78%=780 yuan.

So the total monthly repayment =2777.78+780=3557.78 (RMB).

Total interest = principal * interest rate * time

Substituting the data, we can get the formula:

Total interest = 100000*9.36%*3=28080 (yuan)

Extended data:

Matters needing attention in loan:

1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;

5. Read the terms of the contract carefully and understand your rights and obligations;

6. Repay on time to avoid bad credit records;

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

8. prepayment must be handled by communicating with the bank one month in advance.

9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.