Not too high. The annual interest rate is 4. 15%, the calculated monthly interest rate is 4. 15/ 12=0.3458, and the calculated daily interest rate is 4. 15/365 days = 0.01/kloc-. The annual interest rate is 4. 15%, that is, the annual loan interest rate is 4. 15%, which is the normal agreement on the annual loan interest rate.