What is the interest rate of ICBC e-loan in Guangzhou?

The annual interest rate is 4.05%. The annual interest rate of Guangzhou ICBC e fast loan is 4.05%, which translates into a monthly interest rate of 3.38%, which is lower than the ordinary mortgage interest rate of 5.05%. Icbc's e-fast loan is an online loan with high-quality real estate in a specific area as collateral. The loan funds are mainly used for daily production and operation. After applying for e-fast loan in mobile banking, ICBC will lend money to the designated account after the system is approved.

The loan in public finance is 95,000 yuan for 3 years. What is the interest rate? What is the average monthly payment? Please ask professionals to answer.

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