9000 yuan interest withholding loan, that is, in order to ensure that the loan interest can be repaid on time, some banks withhold all the loan interest from the loan principal when issuing loans. The monthly interest rate is 4.5%, and the monthly interest income is 4.5 times 200,000, which is equal to 9,000 yuan. According to this standard, the annual interest is 12 times 9000, which is equal to 108000 yuan. The converted annual interest rate is 54%, which means that the annual interest rate is 54%.