Is it reasonable that a loan with 22,000 points and 24 interest periods only needs 2,000 yuan?

The loan is 22,000 yuan, divided into 24 installments, and the interest is only 2,000 yuan, with an annual interest rate of 4.55%, which is reasonable.

The loan is 22,000 in 24 installments, and the interest is only 2,000 yuan, so the annual interest is 2000/2 = 1 1,000 yuan.

The annual interest rate is 1000/22000=4.55%.

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