step by step on how to calculate the annual payment on a loan with a million dollar loan, the interest rate is 6.5% for 10 years.

You are going to use the formula

Present value = payment (1 - (1+i)^-n )/i
where i is the periodic interest rate as a decimal, and n is the number of periods
for yours:
PV = 1,000,000
payment = ?
i = .065
n = 10

1000000 = payment(1 + 1.065^-10)/.065
1000000 = payment(7.188830223)
payment = $ 139,104.69