864 yuan. A good calculation method of loan interest depends on the number of installments and the installment interest rate. Good loan installment rate is 0.72%. If the loan amount is 10000 yuan and the number of installments is 12, the interest of each installment is 10000 multiplied by 0.72%, which is equal to 72 yuan. The interest for one year is 72 yuan times 12 months, which is equal to 864 yuan. The actual interest will be different due to personal credit status, installment times and other factors.