Tall man. According to official website query of China Everbright Bank, the annualized interest rate of 7.23% is relatively high loan interest. If it is a mortgage loan, the annualized interest rate is still relatively high. Annualized interest rate refers to the interest rate discounted to the whole year through the inherent rate of return of products. On March 3, 20265438, the People's Bank of China issued an announcement to make relevant provisions on the annualized interest rate of loan products.