If the bank rises by 10%, it will reach 6.765%.

According to this 6.765% calculation, the simple interest of your loan of 30,000 yuan for two years is:

30000*6.765%*2=4059 (yuan).

If monthly repayment with equal principal and interest is adopted, the monthly repayment will be 1339.98 yuan.

In this way, because I pay back a little every month, I bear less interest. In April, 32 159 438+0 yuan was repaid, and only 2 159 438+0 yuan's interest was repaid.