Ping An Puhui loan is 15,000 points in 36 installments, and the repayment in each installment is 6,611.3 yuan. Monthly principal is 150000/36=4166.6 yuan, monthly interest: 6611.4-4166.6=2444.7 yuan, monthly interest rate: 2444.7/150000=0.0162, annual interest rate: 0.0162×12=19.5.