Guangfa brushed 6,000 yuan, with monthly interest of 0.65% for 12, and the repayment is as follows:

Interest: 6000*0.65%=39 yuan, 39* 12=468 yuan, with an annual interest rate of 468 yuan.

Principal: 6000/ 12=500 yuan, and the monthly repayment of principal is 500 yuan.