1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;

2. The loan purpose should be legal and compliant, and the transaction background should be true;

3. According to your repayment ability and future income expectations, choose the repayment method that suits you;

4. Repay on time to avoid bad credit records;

5. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;

6. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and also to issue a household registration certificate of its registered place (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.