A bank provides student loans to college students for three to four years and five to seven years. The annual interest rate of the loan is 6.03% and 6.2 1% respectively, and the loan interest is 50%.

20000 yuan /( 1+3 years * 6.03%)= 20000 yuan/1.1809 =16936.2 yuan, with interest of 3063.8 yuan.

20,000 yuan /( 1+6 years * 6.21%*) = 20,000 yuan/1.3726 = 14570.9 yuan, with interest of+0.50048.0000000000.

20000 yuan /( 1+3 years * 6.03%/2)= 20000 yuan/1.0945 = 18273.20 yuan, with interest 1726.80 yuan.

20,000 yuan /( 1+6 years * 6.21%/2) = 20,000 yuan/10/863 =16859.14 yuan.

The first and second banks indicated that they would calculate the three-year and six-year interest rates respectively without considering financial subsidies.

The third and fourth banks said that they would consider financial subsidies, and the three-year and six-year interest rates would be halved respectively.

The first result is loan principal 18273.20 yuan, and the second result is loan principal 16859.438+04 yuan.

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