Tall man. You can get a loan if you have a job and income, so you don't have to look for such a high one.

Second, is the monthly loan interest rate of 0.76% high?

The monthly interest rate of the loan is 0.76%, that is, the annual interest rate is 9. 12%, which is a bit high.

Benchmark interest rate for bank loans: the annual interest rate for loans from 0 to June (including June) is 4.35%, that for loans from 6- 1 year (including 1 year) is 4.35%, and that for loans from 1-3 years (including 3 years) is 4.75%. On this basis, there will be appropriate downward floating or upward floating.

3. Is the monthly interest rate 0.95% high?

Annual interest rate = monthly interest rate12 = 0.95%12 =1.4% is a bit expensive, but it is still the legal annual interest rate. It is best to borrow ICBC's credit card from the bank or CCB's credit card.