4% interest is actually calculated at 0.4% per month, which is not high. 4% interest is calculated at 0.4% monthly interest rate, which is converted into 4.8% annual interest rate. Suppose that the loan of 65438+100000 is taken as an example, and 12 is paid in one year, and the interest to be repaid after one year is 4800 yuan. The principal is 654.38 million yuan, and you always need to repay the principal and interest 10.48 million yuan. Such an interest rate is very low for people who are in urgent need of capital turnover.