If Guangfa is calculated first, the annual interest rate is 9% and the monthly interest rate is 9%/ 12=0.75%. The sum of the principal and interest of your repayment due within one year is 50000+50000x9%=54500 yuan.

As for China Everbright, the monthly interest rate is 1%-2%. According to your balance sheet and credit status, do you have any deposits in China Everbright and have you bought any wealth management products? The sum of the principal and interest due for repayment within one year is 50000+50000x 12% (or x24%)=56000(62000).

But I also want to explain here that this calculation is actually inaccurate, because different banks can choose different repayment terms and methods for different products. Some can repay in equal amount, and some can wait for the principal to repay. There are also monthly, quarterly and annual repayments, and there is no need or interest. As there is too little information to evaluate, it is better to call the bank and ask which one to choose.