The five-year interest is 234,000 yuan. According to public information, the monthly interest rate of Ping An Bank loan is 3.8%, and the annual interest rate is 4.25%, that is, the five-year interest is 450,000 times 4.25%, and then multiplied by 5 times 95,600 yuan. Loan refers to a form of credit activity in which banks or other financial institutions lend money at certain interest or repayment conditions.