For a loan of more than 1 million yuan, the repayment is 100,000 yuan, and more than 900,000 yuan is still owed. In addition to the principal repayment, the loan also has additional repayment interest. A loan of more than 1 million yuan is calculated based on the bank's commercial loan interest rate of 4.5%. The interest for one year requires 1 million × 4.5. Equivalent to 45,000 yuan.