If you apply for a mortgage loan in a formal private lending company, rather than a bank, you should pay attention to the following points when borrowing:

First, carefully examine the qualifications and reputation of the borrower, and try to choose an intermediary company with legal registration, standardized operation and good reputation.

2. Resolutely refuse to sign documents with blank or incomplete contents, carefully examine the terms when signing loan contracts and receipts, and do not sign them hastily. After obtaining a loan, you must issue an iou and receipt according to the actual amount.

3. The sum of agreed loan interest, overdue repayment interest, liquidated damages and fines shall not be higher than four times the interest rate of similar loans of banks.

Four, the same loan can not be signed more than one "loan contract" and "receipt".

5. Keep relevant receipts and repayment vouchers, make repayment by bank transfer as far as possible, and ensure that the account owner of the collection account is consistent with the lender, and indicate the details, principal and interest of which loan to return.

Six, after paying off the loan, the lender must be required to return the original "loan contract", "IOU" or destroyed on the spot, to prevent the lender from making a claim again on this basis.