Group 1 - The core viewpoint is that some brokerage firms are now offering online access for margin trading, with a simplified process expected to be more common by 2025 [1] - The default interest rates for margin trading typically range from 6% to 8%, but clients may negotiate lower rates, with some achieving as low as 4% [1][2] - The requirements for online account opening include having an average asset of 500,000 over 20 trading days and at least six months of stock trading experience, as mandated by the regulatory authority [2] Group 2 - The main steps for online account opening involve meeting the conditions, completing the application through the brokerage app, and undergoing a video verification process [2] - It is advisable for clients to discuss interest rates with their account managers before opening an account, especially for high-frequency traders or those with significant capital, to secure lower fees [2] - A reference table lists various financing and margin trading rates, indicating that rates can be as low as 3.x% to 5% for margin trading, with specific rates for different financial instruments [3]