1. The information provided to the bank should be true, the address and contact information of the personnel should be accurate, and the bank should be informed in time.

2. The loan purpose should be legal and compliant, and the transaction background should be true.

3. According to your repayment ability and future income expectations, choose the repayment method that suits you.

4. Apply for a loan amount according to your own ability, and usually the monthly repayment amount should not exceed 50% of the total family income.

Read the terms of the contract carefully and know your rights and obligations.

6. Repay on time to avoid bad credit records.

7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.

8. Only by communicating with the bank one month in advance can the prepayment be made.

9. When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also to issue a household registration certificate at the place where the household registration is located (some banks also require proof of employment); Moreover, in addition to local income, housing guarantee companies should also apply for temporary residence permits for foreigners.