If you don't repay the loan in full, the bank will calculate five ten thousandths of interest (the amount after deducting 10000) from the day you spend it to the day you repay it. If it is not clear next month, the unpaid part will be compounded. In a simple period, according to the calculation of 30 days a month, the extra interest you pay this month is about 5000*0.0005*30=75 yuan, which is not accurate enough, but it is close.