First, according to the actual situation, the amount of loan interest mainly depends on the loan interest rate of various lending institutions (generally floating within the interest rate range stipulated by the central bank) and repayment methods, such as average capital repayment method and average capital repayment method;

Second, the standard formula for calculating loan interest:

Current month loan interest = remaining principal of last month * monthly loan interest rate;

Principal paid in the current month = repayment amount in the current month-loan interest in the current month;

Remaining principal of last month = total loan-accumulated principal repayment;

If borrower A borrows RMB 654.38 million from XX Bank, the loan period is three years. The latest loan interest rate is 2065.438+03, and the monthly loan interest rate is 0.565.438+025% (the current three-year loan interest rate is 6. 15%). So,

The first month loan interest =10000 * 0.5125% = 512.5;

Principal paid in the first month = repayment amount in the first month (depending on repayment method)-521.5;

Residual principal in the first month = 100000- (repayment amount in the first month-521.5);

Second month loan interest = {10000- (first month repayment amount -52 1.5)} * 0.5 125%. ...

Then calculate the monthly loan interest by analogy until the repayment is completed (the loan expires).