The expected annualized loan interest rate is the main basis for the parties to the loan contract to calculate the loan interest, and the expected annualized loan interest rate clause is the main clause of the loan contract. The expected annualized interest rate of loan contracts with banks and other financial institutions as lenders can only be determined by the borrower through consultation within the upper and lower limits of the expected annualized interest rate stipulated by the People's Bank of China.

When applying for a loan, the borrower makes a correct judgment on his repayment ability. Design the repayment plan according to your own income level, and leave room appropriately so as not to affect your normal life.

Matters needing attention in loan:

When applying for a loan amount, we must appropriately and fully consider the financial situation and habits of individuals and families. Under normal circumstances, the monthly repayment amount should not exceed 50% of the total family income. To maintain a good credit record, once the credit record is bad, it will directly affect the operability of the loan and even be rejected by the bank.

When making a loan, you should provide real personal information to the bank, cultivate a good sense of integrity from the beginning, and never provide false information, otherwise it may be included in the bank's "blacklist" and rejected by the bank; Notify the bank in time when personal information changes.