First of all, I don't know whether your friend secured the loan by mortgage or other means, and I don't know where you are from. I'm from Shandong. There is no point here, and I have never heard of it being too much. I may be ignorant, but I can tell you for sure that it will never affect your credit. What will affect your credit is mainly the timeliness of your repayment and whether the repayment amount is enough. If you are not at ease, you can apply to the local branch of the People's Bank of China to print a personal credit information at a glance. If he refuses you or puts forward any conditions because of insufficient points, you can refuse or complain to his superior institution. If not, you can complain to the China Banking Regulatory Commission (CBRC), which is absolutely useful.