1. Choose formal loan channels: choose formal financial institutions and formal channels to apply for loans, and you can consult through various channels such as calling the official customer service phone of financial institutions, going to the business outlets of financial institutions, and applying for mobile APP. Before applying for a loan, you must understand the relevant terms of the loan product, such as interest rate, repayment period and repayment method.
2. Preparation of relevant materials: according to the requirements of financial institutions, prepare relevant loan application materials, including identity certificates, income certificates, bank accounts, credit reports, etc. Ensure that the information provided is true, accurate and complete.
3. Repayment on time: After the loan is obtained, it should be repaid according to the repayment plan agreed in the contract to avoid bad records such as overdue.