In the process of loan application, the bank will let the loan officer communicate with you before approving the loan, mainly to understand some personal circumstances of the borrower and the purpose of the loan. Don't underestimate this conversation. If you don't know, your loan will be in vain. Know yourself and yourself. What questions will the loan officer ask you? How to deal with it? Look down quickly! Personal situation: loan purpose? (Facing the bank, you need to give a realistic answer, because after the loan, you need to provide an invoice to prove that it is "earmarked for special purposes"; In the face of non-bank financial institutions, due to the blank of post-loan supervision, it is only necessary to make a "beautiful" answer and give the loan officer a dose of reassurance that the capital risk is controllable. But the tone between husband and wife and friends should be consistent to prevent collusion. ) How are you? You can say yes, very well, quite well. In short, don't say no, you are critically ill or have just finished surgery, and let the loan officer think that the loan funds will drift at sea in the future. As long as your physical condition "capsizes", the loan will be wasted in Shui Piao, and there will be no return.