Commercial loans, credit loans, and mortgage loans are all in bridge loan, which generally occur after interest is paid, that is, the loan term has expired (usually one year) but the credit term in the bank according to the contract has not yet expired, and the principal needs to be returned in advance in the month when the loan term expires.

The bank will re-verify the borrower's qualification (generally simple) within 3 working days (possibly shorter) after the borrower returns the principal before issuing the loan. If the borrower has seriously overdue repayment of the principal during the last loan period, it may not issue the loan again.