Before starting work. Before the official start of the project, developers or enterprises have not fully raised the required funds, so they need loans to make up for the funding gap. Through loans, developers or enterprises can avoid investing a lot of their own funds in the early stage of the project, thus reducing the cost of funds, so they have not started yet. When applying for a loan, it is necessary to plan the repayment plan reasonably to ensure that the project can be repaid on time after completion and avoid the risk of default.