28,500 yuan. According to official website of China Bank, the loan term of the bank is from one year to five years (including five years), and the loan interest rate is 4.75%, so the annual interest rate of 12000 is 12000 multiplied by 0.0475, which is equal to 5,700 yuan, and 5,700 yuan multiplied by five years is equal to 28,500 yuan. China Bank was formally established with the approval of Dr. Sun Yat-sen on February 5, 2002.