2. Now the interest depends on the information you can produce, generally between 1.2-2.2, and the specific amount depends on the approval. The account manager who handles the loan will give an example. You can estimate it yourself and they will help you calculate it. It's all calculated on a monthly basis and repaid on a monthly basis. Interest decreases month by month, and the principal is equal every month.
3. There are no other expenses, but the advance payment is 1-3% of the penalty, depending on the time. Deduct it from UnionPay's debit card.
That's what I did in Shanghai. It should be the same as an easy loan. I hope the above reply is useful to you.