Comparing the situation of nominal interest rate

Comparing the situation of a nominal interest rate of 10 percent and an inflation rate of 9 percent with a nominal interest rate of 6 percent and inflation rate of 2 percent, consumers would borrow more in which situation?

1. Nominal interest rate of 10 percent since the real interest rate is 9 percent.
2. Nominal interest rate of 6 percent since the real interest rate is 2 percent.
3. Nominal interest rate of 6 percent since the real interest rate is 4 percent.
4. Nominal interest rate of 10 percent since real interest rate is 1 percent.