From what I have experienced when lending money to a lending institution, they will offer us with easy terms and various kinds of loans in a persuasive way, but in persuasion to lend us bound by high interest rates. this is what I call high interest risk.
High interest is an advantage for those who give loans to other people and that is their right to get it because they have given you the money that you really need at that time so they make easy conditions so that everyone can easily take loans on the spot they. Even though you say part of the interest is a risk that you have to bear while you pay off the loan, it is their right to make obligations to borrowers. That's why everyone should think several times before taking any loan.