You can use mortgage loans or credit loans when making loans; Credit loans must provide a good bank flow and a good credit record. If you have a bad credit record, the loan is likely to be rejected. You can check the credit for confirmation before the loan.
Be sure to evaluate your repayment ability before lending, and don't exceed your burden. This loan had better not affect your life. If it is difficult to repay within one year, the loan time can be extended to reduce the repayment pressure.
Extended data:
Matters needing attention in loan:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
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. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand 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. prepayment must be handled by communicating with the bank one month in advance.
Baidu encyclopedia-loan