Suppose the annual interest rate of the loan is R, the loan amount is P, and the loan term is T years. The loan interest is P*r*t r * t R * T. According to your question, suppose the annual interest rate is reduced by 0.5 percentage points, that is, 0.005. Now let's calculate the difference in loan interest.

The original annual interest rate is R, and the loan interest is P*r*t R * T R * T.

The current annual interest rate is r-0.005, and the loan interest is P * (R-0.005) * t.

Then the difference of loan interest is p * r * t-p * (r-0.005) * t = 0.005 * p * t.

If the loan amount is 200,000 yuan and the loan term is 1 year, the loan interest difference is 0.005 * 200,000 * 1 = 1 1,000 yuan (RMB).

Therefore, if the annual interest rate is reduced by 0.5 percentage point and the annual loan is 20. 1 10,000 yuan, the interest of 1 10,000 yuan (RMB) can be saved.