3.6% interest generally means that the borrower borrows from the lender or the borrower borrows from the bank 100 yuan, and the monthly loan interest is 0.36 yuan.

That is, the monthly interest rate of the loan is 0.36%. At present, the borrower borrows 200,000 yuan from the lender, and the interest of 3% and 6% needs to be paid in 720 yuan for one month, which is the normal monthly interest rate standard for private lending.