How does Gate.io loan work?

Can you explain in detail how the loan feature on Gate.io works? I'm particularly interested in understanding the process of borrowing funds, the requirements for eligibility, and any interest rates or fees associated with the service. Additionally, how does Gate.io ensure the security of these loans and what are the risks involved for both borrowers and lenders? It would be helpful if you could provide a step-by-step guide on how to navigate the loan process on the platform.