Personal advice:

If you need a loan, you can also go directly to the local bank outlets to consult relevant information. Generally speaking, the loan interest rate of bank outlets is much lower than that of small loans. I hope you can learn to identify carefully. Renhe loan has certain risks. You must ensure that you have a certain risk tolerance before lending. Only by ensuring timely repayment can normal life not be affected. As for the loan interest, before the loan, the loan contract interest rates of different banks and small loan companies are different, so be sure to check it carefully. Generally speaking, loans are divided into two repayment methods, one is repayment on schedule and the other is prepayment. If you want to repay in advance, you can also bring relevant documents to the local bank for consultation.

Extended data:

1. Xiamen International Bank used the linkage mechanism of Guangdong, Hong Kong and Macao, cooperated with overseas subsidiaries Macau International Bank and chiyu banking corporation limited, and set up institutional outlets in the "6+2" core city group in Greater Bay Area. The linkage and cross-border business between the Mainland, Hong Kong and Macao is unique and has become one of the important banks in Greater Bay Area.

2. Xiamen International Bank cooperates with affiliated institutions in Hong Kong and Macao, conforms to the general trend of national financial opening to the outside world, supports national and regional development strategies such as Guangdong-Hong Kong-Macao Greater Bay Area and Fujian's economic catch-up development, the coordinated development of the Yangtze River Delta and Beijing-Tianjin-Hebei, turns political capacity building into a driving force for high-quality development, actively serves new industries, new formats and new models, vigorously develops inclusive microfinance, fully supports economic transformation and upgrading, promotes organic integration and smooth connection of domestic and international circulation, and better serves and builds a new development pattern.

3. Xiamen International Bank resolutely implements the decision-making arrangements of "six guarantees" and "six guarantees" and fully supports the resumption of work and production. Taking into account the practical difficulties encountered by small and medium-sized enterprises and individual industrial and commercial households, the bank actively explored, accepted customers' applications for postponing the repayment of principal and interest under the premise of controllable risks, and made great efforts to "postpone as much as possible". In 2020, the accumulated profit to the real economy was nearly 700 million yuan.