Mr. Wang took out a loan to buy a house. He borrowed a two-year loan of 30,000 yuan from the bank with an annual interest rate of 4.95%.
王老师贷款买房，向银行借了30000元两年期的贷款，年利率是4.95%，两年后，王老师需向银行连本带息还款多少元．
<gadget id="calculator">4.95 / 100</gadget>
<output>0.0495</output>

<gadget id="calculator">30_000 * 0.0495 * 2</gadget>
<output>2_970</output>

<gadget id="calculator">30_000 + 2_970</gadget>
<output>32_970</output>

<result>32_970</result>