When you consider a loan of 150,000 yuan, the calculation of its monthly interest payment is a key factor. Based on the information provided, assuming a loan term of one year and an annual interest rate of 4.35, we can simply calculate the monthly interest payable. According to the formula, the monthly interest payment is equal to the total loan amount divided by 12 months, that is, 156,525 yuan divided by 12, and the result is 13,043.75 yuan. Therefore, you need to repay approximately 13,043.75 yuan in interest every month, plus the principal part, which constitutes your monthly repayment.

It is worth noting that the actual monthly payment amount will also be affected by other factors, such as the repayment method of the loan (equal principal and interest, equal principal, etc.) and whether the loan principal is included. The monthly payments for equal principal and interest payments are relatively stable, while for equal principal payments, the monthly payments decrease. Additionally, if the bank has additional handling fees or service charges, these will also need to be taken into account. Before making a loan decision, it is recommended that you consult with the bank in detail to obtain the accurate monthly payment amount. At the same time, interest rates may change based on the market, so it's also wise to check and adjust your repayment plan regularly.