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You need a deposit certificate to study in Japan. How much interest do I need to pay when I apply for a bank loan of 200,000 yuan for studying abroad?
That depends on how much you have saved. China Bank's is different from Ctrip's. It's not that you borrow 20w directly and don't save it at all, but 1 for 9. The interest rate is set by the state.

Loan interest-deposit interest = deduct your money and return the rest of the deposit to you.

Ctrip is simple, the deposit amount x annual interest rate x deposit certificate period /360 days, but the interest rate is high. If it is 20w, it should be around 3800.