1. Formal institutional loans. If it is inevitable to need loans, you should borrow from formal financial institutions such as banks. The loan interest rate of these institutions is stipulated by the state, and the loan behavior is protected by the state.

2. Don't believe false loan advertisements. When we need money, we may see a loan advertisement, promising not to charge interest, only to charge agency fees and service fees, so we hold the idea of giving it a try and finally fall into the quagmire of conventional loans. Keep your eyes open when lending, and don't trust loans that don't charge interest. Pies don't fall from the sky.

3. Seek the help of a lawyer. No matter how you borrow money, you'd better find a lawyer to review the loan contract to avoid unreasonable terms in the contract.