First, the cargo ship is evaluated and insured, and the relevant price is issued by the authoritative department. The maximum mortgage loan is 60% of the appraised price, that is to say, if it is appraised as100000 yuan, the maximum loan can reach 6 million yuan. The interest rate of each bank is different. You can also consult the president or the competent leader about the interest rate to which bank to lend and the interest rate to which bank to pay.