Short-term loan interest is mainly the loan amount multiplied by the annual interest rate and then multiplied by the loan time, because the loan interest is directly related to the principal, interest rate and loan time. It is best to choose a loan form with lower interest rate and shorter loan time, so that the total interest paid will be much less, and most of the short-term loan interest will be paid monthly.

The information to be provided when applying for a loan mainly includes:

1. Original and photocopy of personal ID card and household registration book.

2. If you apply for a mortgage loan, you also need to provide collateral information, such as real estate license, car book and other supporting materials.

At the time of application, the bank will review the applicant's personal data. Except for people over 18 years old, if the debt in this person's name is too high, there are fewer loans that can be applied for. If you can provide more personal qualifications, the loan processing rate will be higher, otherwise the higher the debt, the more difficult it is to pass the loan. Yoshiya real estate encyclopedia, buying a house needs more knowledge.