A loan of 12,000 yuan will require repayment of 17,232 yuan a year, which is considered a loan shark. The following is an explanation:

1. High interest: The difference between the loan amount and the total repayment is 5,200 yuan, which is the interest paid. This means that the interest rate for one year is approximately 43.33%.

2. Compared with traditional financial institutions: Compared with traditional financial institutions such as banks, online lending platforms usually charge higher interest rates because they face higher risks and costs.

3. Risk warning: There are great risks in loan sharking, which may cause the borrower to fall into repayment difficulties, or even cause overdue or default consequences.

4. Pay attention to your own credit: Borrowers should pay attention to their credit status and avoid excessive loan sharking to prevent further increasing the financial burden.

Summary: According to the information provided, the loan falls into the category of loan sharking. Borrowers should consider carefully and seek more reasonable borrowing methods. If users are worried that checking their own credit will affect their credit reporting, they can use Eagle Heart Quick Check to obtain big data credit reports and comprehensive credit scores to help identify risks in a timely manner.