The annualized interest rate of 6% for a loan of 200,000 yuan means that the user borrows 200,000 yuan from a financial institution or individual. According to the standard of 6% annual interest rate, the interest to be paid to the other party is 200,000 yuan, which is equal to 12000 yuan. The loan interest is calculated according to the interest rate, amount and term. The higher the loan amount, the longer the term and the higher the interest.