1. The purpose of the loan

is generally limited to personal consumption and business operations. High-risk investment activities such as stocks, futures and spot goods, as well as illegal activities such as gambling, are expressly prohibited by banks. So use loan funds correctly.

2. Repayment

Real estate certificate mortgage loan is a product with large financing amount and long repayment period. Therefore, before applying, you need to self-examine your economic situation for a long period of time in the future.

Make sure you can repay the loan. Because if there is an unreasonable loan repayment, the bank has the right to take legal procedures and auction your mortgaged property, and the proceeds will be used first to repay the principal and interest of the loan.

3. In terms of loan channels

The safest way is to find a bank. After all, the source of funds is absolutely safe. If you are looking for a private lending institution, you need to pay attention to whether the institution operates legally and compliantly.