Generally speaking, Minsheng Bank has a good policy, with 200,000 credit cards, 4.95% interest rate on consumer loans, good financial policies and clear funds. There are also interest rates of Bank of Communications and China Merchants Bank, which fluctuate around 5%. Remember that I am talking about a consumer loan, which is a loan for you to buy a car or a house. The guarantee company needs to intervene and charge a certain fee. Personal loans are around 8%. If you don't understand, ask again. I work in China Merchants Bank.