Subject to availability. The bank loan interest rate is 4.35% within one year (including one year).

1. Conventional algorithm: 10000*4.35%=435 yuan, that is, the interest rate for a bank loan of 10,000 yuan per year is 435 yuan. However, since banks usually calculate interest based on the repayment method, the interest calculated by the following two methods is more accurate.

2. Repayment of equal principal and interest: monthly payment is 853.10 yuan, total repayment is 10237.19 yuan, and total interest is 237.19 yuan.

3. Equal principal repayment: the first month’s monthly payment is 869.58 yuan, which decreases by 3.02 yuan every month. The total repayment is 10,235.63 yuan, and the total interest is 235.63 yuan.