3 123. 10 yuan. The bank loan is RMB 6,543,800+6,000, with a term of 5 years, and the repayment method of principal and interest is equal. The annual interest rate is calculated at 6.4%, and the monthly repayment is 365.438+0.23. 1 yuan. Payment for goods refers to a form of credit in which banks or other credit institutions provide funds to enterprises or other units or individuals according to the prescribed objects, methods and interest rates.