Calculated by 200,000. Borrowing 200,000 yuan from the bank only used 654.38+million yuan, and the interest was also calculated according to 200,000 yuan. Although RMB 654.38+ 10,000 is useless, the interest after the loan should be calculated, which does not belong to the bank, but to the individual. Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.