Personal advice:
We need to ensure the following four conditions. Our production and business activities should operate normally in order to ensure the normal payment of corresponding interest. The second point is that the loan principal is reduced to more than 5%, which can better help banks share risks. The third point is that we can also seek loan guarantees from others. The fourth point must be revolving loans. Only in this way can we renew the contract better. I hope everyone can realize this. At the same time, it should be noted that if there is a loan demand in daily life, you must go to a formal bank for consultation. Only in this way can we better protect our legitimate rights and interests. The loan interest rates of different banks also vary greatly. Before applying for a loan, we must learn to shop around. Only in this way can we make our life better.
Extended data:
Precautions:
1. The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed in time if there is any change.
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 does not exceed 50% of the total family income.
5. 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. communicate with the bank one month in advance to apply for early repayment.
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 a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.