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The loan is 50,000 points, and the interest on 36 installments is 4,000 points.
The interest rate is calculated as follows:

Annual interest rate = annual interest rate ÷ principal

Your total interest is 4000 yuan, divided into 36 installments for 3 years, and the annual interest is 1333.33.

1333.3333÷50000=0.026667

Then the interest rate is about 2.67%

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