Legal analysis: If there are discount loan products specifically for teachers, the interest will be lower to some extent. The amount and preference of general loans are determined by the comprehensive quality of lenders. The better the overall quality, the lower the loan interest rate. Basic loan conditions: 1. At least 25 years old with full capacity for civil conduct; And have permanent residence or valid residence certificate in China. Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule. Third, the credit record is good and there is no bad credit record. Fourth, it can provide legal and effective guarantees recognized by banks. Fifth, other conditions stipulated by the bank. Generally meet the above conditions, you can apply for a loan from a commercial bank.

Legal basis: Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of the borrower, implement the guarantee and ensure the timely recovery of the loan. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law.