What kind of loan is this from Sino-German Savings Bank? I know it's handled in Tianjin, and I don't know if it's carried out elsewhere. It should be a planned loan form, such as buying a house after three years, saving first and lending later. Although there is an emergency loan, the interest rate is not favorable.

The leaflet must be true, but personally, it is not suitable for people like you who are planning to buy a house recently.