Long-term loans refer to loans that can be extended before the first quarter of each year. The amount of long-term loans is three to four times of the equity, the longest time is four or five years, and the interest rate is 10% (rounded off). Repay the principal and interest after the first quarter of each year, and repay the principal and interest at maturity. Loans need real-name authentication, and overdue loans will still have an impact.