People who often do business in banks basically know that the loan interest rate in this society has basically reached around 7%, which shows to some extent that 2% interest rate is already a relatively low interest rate. As the saying goes, even if your sister's family is rich, she can't lend you all the money for free.
The average interest rate in this society has exceeded 5%. As a frequent buyer of funds and wealth management products, the interest rate of 2% is the lowest in this society, because the interest rate of money funds can reach 2%, and there is not much risk. Since your sister can lend you this 200,000 yuan and take certain risks, it shows that your sister and she are willing to help you.
2% interest rate is very low. 2% interest rate is already a very low interest rate. When we borrow money from banks, we have to bear at least 5% interest rate, and the loan interest rate of provident fund has exceeded 3%.
Your sister has no problem with people. I don't think your solution has any problems in this respect. As your sister can lend you 0.2 million/200 thousand as a start, she has helped you a lot. You can't ask your sister to provide you with a free loan. If your sister keeps money in the bank, her annual income can reach at least 5000 yuan.
Although you have a very good relationship with your sister, you really have to settle accounts in terms of money. Only in this way can the relationship between two people become more frank. Entrepreneurship is actually risky, so when you don't make a decision, you must consider your own abilities comprehensively.