Compared with mortgage business, unsecured loans are more attractive. It refers to an operating loan provided by banks for individual industrial and commercial households and small enterprises that cannot provide pledge. At present, many banks provide unsecured loans, and different banks have different interest rates on unsecured loans. At present, the interest rate of unsecured loans is generally 0.8-2.88% per month, depending on the borrower's qualification and the loan institution chosen. Take the second-hand housing loan calculator as an example. If the borrower has good qualifications, choose a bank to handle it. The interest rate of unsecured loans is generally around 1 1% per year. If you choose a small loan company, the loan interest rate is between 2.2-3.5% per month. Article 5 The People's Bank of China shall set and adjust the following interest rates: (1) The deposit and loan interest rates and rediscount interest rates of the People's Bank of China to financial institutions; (2) The deposit and loan interest rates of financial institutions; (3) Preferential loan interest rate; (4) Default interest rate; (5) Interest rate of interbank deposits; (6) the fluctuation range of interest rates; (7) others. Article 6 Financial institutions shall determine the following interest rates in accordance with the relevant provisions of the People's Bank of China: (1) Floating interest rates; (2) interest rate of internal funds; (3) Interbank lending rate; (4) discount rate and discount rate; (5) Other interest rates allowed by the People's Bank of China. "Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases" Article 26 If the interest rate agreed by both borrowers and lenders does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.