scam or not ? loans for very low rate of 0.5% (people need low interest loans )

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It seems in general, when the original originating email address differs from the "reply-to" address ... it is most likely a scam ? What do you think ? From firstplusloan103@hotmail.com ============== start of email received ================================== Good Day, Greetings from Firstplus Financial Group Plc. Firstplus Financial Group Plc is offering out loan to the General public with a very low rate of 0.5%. We offer a personal and business loans. Are you in debt and you need an urgent loan? Do you need a real estate loan? Do you need secured or unsecured loan? Need financing but do not know how to go about securing a loan? Contact us for help. Financing should not be a mystery. We would love to fund projects at hand and offer personal loans as well to you, your firm/partners and clients. A loan process can be completed within a space of one week provided the terms of the loan contract are agreed upon. Look no further, contact Firstplus Financial Group Plc today via email. Email: firstplusloan103@hotmail.com Name: Amount Needed: Country: Mobile/personal Phone Number: Home phone Number: Purpose: We only give out loans from £5,000 - £1,000,000,000 with a maximum time duration of 30years. Yours in Service, Gina Evans, Customer Account Manager. ============== end of email received ==================================