4% loan is a financial term, which is generally used to refer to the loan interest of banks or other financial institutions. 4% refers to the annual interest rate, that is, a quarter of the total loan amount needs to be paid as interest every year. This means that if you borrow 1 ten thousand yuan, the interest will be 250 yuan. 4% loan is a common interest rate, which is easy to understand and calculate.

In the financial market, 4% loan is not the only interest rate level. Different borrowers, different financial products, different interest rates. Generally speaking, financial institutions will customize the loan interest rate according to the borrower's credit status, loan amount and repayment period. At the same time, different financial enterprises also have different loan interest rates, so it is necessary to do relevant research and comparison when choosing lending institutions.

When choosing a lending institution, we must carefully consider its interest rate, fees, service quality and other factors. Although some financial institutions have low interest rates, some bad charging rules are hidden. Before signing a contract, you should read the terms of various agreements carefully to ensure that you can understand and accept them. In addition, the borrower has the obligation to repay the loan on time to avoid overdue fines and deterioration of credit records. To sum up, the 4% loan is only a part of the financial market, and borrowers should carefully choose the appropriate lending institutions to ensure that they can bear the corresponding repayment responsibilities.