A rescue loan is not a loan used to build infrastructure. They’re used to cover for existing debt, not to take on new debt.
The interest rate of loans is dependent on the international market. A loan with an interest rate of 5% is charity because China could get that exact same return from the US (which is much more stable, etc. etc.)
A 5% interest rate loan isn’t predatory in this economic environment. It’s a fucking donation. Ever heard of risk-adjusted returns?