1. Pay attention to whether the bank issues loans in full and on time. As a party to a loan contract, a bank must fulfill its corresponding obligations while enjoying its rights. As a lender, the bank's obligation is to issue loans in full and on time in accordance with the loan contract. In practice, banks have delays and insufficient loans. In particular, this kind of problem is more likely to occur when the contract is signed first and then approved. According to the provisions of the contract law, these are all breaches of contract, and the borrower has the right to pursue the responsibility of the bank.

2. Pay attention to whether the bank deducts interest in advance. When issuing a loan, if the loan interest is deducted from the principal in advance, the remaining amount will be paid to the borrower as the principal. In fact, the borrower only borrowed a part of the principal, but paid interest according to the whole principal. According to the contract law, if the interest is deducted from the principal in advance, the loan shall be repaid according to the actual loan amount and the interest shall be calculated. The borrower should pay attention to the relevant clauses in the bank loan contract.

Note that the bank has the right to terminate the contract, but it must meet certain conditions. After signing a loan contract with the borrower, the bank may exercise the right of uneasy defense and suspend the loan to the borrower before the other party provides a guarantee when it finds that the borrower's operating conditions have seriously deteriorated, property has been transferred, funds have been withdrawn to evade debts or the ability to repay debts has been lost. When exercising the right of uneasy defense, we should pay attention to the fact that we must obtain corresponding evidence before we can stop the performance of the loan contract, otherwise we will be liable for compensation for losses.

Legal basis:

Article 35 of the Law of People's Republic of China (PRC) Commercial Bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method. Commercial bank loans shall be subject to the system of separating loan review from grading approval. Article 36 of the Law of People's Republic of China (PRC) Commercial Bank, the borrower shall provide a guarantee for the loan of a commercial bank. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral. After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.