In 2011, the 1-year deposit interest rate of Chinese official financial institution was 3.5%, and the year’s CPI rose 12.5% year-on-year, then the actual interest rate of 1-year deposits of Chinese financial institutions in that year is（）.

In 2011, the 1-year deposit interest rate of Chinese official financial institution was 3.5%, and the year’s CPI rose 12.5% year-on-year, then the actual interest rate of 1-year deposits of Chinese financial institutions in that year is（）.
A.-8%
B.3.5%
C.12.5%
D.-9%
正确答案：-8%