4.35% loan interest is not expensive. Credit card installment rate: The real credit card installment rate is not calculated according to the monthly rate advertised by the bank. For example, the monthly rate advertised by the bank is .6% per installment, and the annual interest rate is as high as 14.31% instead of 7.2%, but even 7.2% is at least twice as high as the annual interest rate of 4.35%. Investment is risky, please make a careful decision.