What the bank loan manager said does not represent the contract. According to the relevant public information, the verbal promises or suggestions of the bank loan manager are only for reference or suggestions, and the final contract content is subject to the written contract signed between you and the bank. Before signing the contract, I suggest you read the terms of the contract carefully to ensure that you have a clear understanding of the contents and terms of the contract. If there is any ambiguity, you should consult the bank in time to avoid disputes in the future.