According to the survey in Xicai.com, as a loan interest rate, the loan interest rate of 0.6% is not high compared with other loan interest rates. In fact, according to the current financial market situation, the loan interest rate of most banks is above 5%. Under such circumstances, the interest rate of 0.6% is not very high, or even relatively low. The loan interest advantage of 0.6 is relatively low, which can reduce the repayment pressure of the lender and reduce the repayment risk. In addition, due to the low interest rate, the actual repayment amount of the lender is relatively small, and the repayment period is relatively long, which has certain flexibility. The disadvantage of loan interest of 0.6 is that there may be other extra expenses, such as handling fees and so on. Lenders need to consider these extra expenses when considering loans, so as not to affect their repayment ability and credit status. In addition, it should be noted that loan interest is not the only repayment cost, but also factors such as repayment period and repayment method need to be considered.