5% APR, keeping in mind many loans here run at about 5%/month interest. That isn't taking into account that principal is returned as well by that date.
Borrowers paying exorbitant rates of interest are doing so because they have to do so in order to attract capital, not out of the kindness of their hearts.
From an article last year called "
Junk Bond Indigestion in the Bitcoin Economy":
"...promises of exceptionally high yields on Bitcoin-denominated debt do not represent the going rate or remotely plausible yield expectations for debt or other Bitcoin investments; they represent nothing more than the risk premium for low-quality debt."
The 5% is for the whole 20 years though, not on an annualized basis. You can redeem these after 1 year.
Just to clarify, the current yield on US 30-year treasuries is 3.56% per annum.