The annual benchmark interest rate of mortgage loan is 4.35, and the annual interest rate of unsecured loan is about 10%.

Lenders generally need to meet the following conditions:

1. China citizens with permanent residence in China, permanent residence in local towns and 18-65 years old;

2. Abide by laws and regulations, and have no illegal acts and bad credit records;

3. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

4. Other conditions stipulated by the bank.

I hope my answer can help you.