According to the meaning of the question, the loan principal is 654.38 million yuan, that is, 100000 yuan, and the interest rate is 2%.

According to the formula, interest = principal * interest rate.

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

Interest = 100000*2%=2000 (yuan)

Extended data:

Factors that arouse interest:

1, delayed consumption

Lenders lend money, which is equivalent to delaying the consumption of consumer goods. According to the principle of time preference, consumers will prefer current goods to future goods, so there will be positive interest rates in the free market.

2. Expected inflation

Inflation will occur in most economies, representing a certain amount of money, and fewer goods can be purchased in the future than now. So the borrower needs to compensate the lender for the losses during this period.

3. Alternative investment

Lenders can choose to invest their money in other investments. Due to the opportunity cost, the lender lends money, which is equivalent to giving up the possible return on other investments. Borrowers need to compete with other investments for this fund.

4. Investment risk

Borrowers are at risk of bankruptcy, absconding or default at any time, and lenders need to charge extra fees to ensure that they can still get compensation under these circumstances.

5. Mobility preference

People will prefer that their funds or resources can be traded immediately at any time instead of spending time or money to get them back. Interest rate is also a kind of compensation for this.