Description:

1. Monthly repayment 100 yuan, one year 12 months, and the total repayment amount is 1200 yuan.

2. The loan amount is 1 1,000 yuan, the total interest is 1, and 200 yuan-1 1,000 yuan =200 yuan.

3. The ratio of total interest to loan amount is 200 yuan/1000 yuan =20%.

4. According to the annual interest rate, the ratio of total interest to loan amount is the annual interest rate. In this case, the annual interest rate is 20%.

Summary:

The interest rate of this loan is very high, because the annual interest rate is 20%. Due to the lack of other relevant information, it is impossible to evaluate whether the interest rate is reasonable or in line with the market level. But generally speaking, high interest rates may increase the cost of loans and bring greater economic pressure to borrowers. It is suggested that the factors such as interest rate, repayment ability and borrowing purpose should be considered comprehensively when choosing loans to ensure financial sustainability.

Extended data:

The determination of loan interest rate is influenced by many factors, including market interest rate, borrower's credit status, loan term and so on. There are differences in interest rate standards in different countries and regions, so it is best to consult local financial institutions or professionals to obtain accurate interest rate information. At the same time, understanding and comparing the interest rates, fees and conditions of different loan products can help borrowers make more informed decisions.