1. First, you need to know your loan demand and risk tolerance. Different banks have different loan policies and requirements, such as commercial insurance, provident fund mortgage or early repayment. You need to choose according to your actual situation.

Secondly, we need to know the qualification and credibility of banks. You can pay attention to bank news, loan websites, social media and other information channels, and collect relevant information of banks, including recent performance, credit policy, reputation and customer feedback. The selected bank should have a good reputation and reliable qualifications to ensure that it can provide favorable services.

3. Equally important, it is necessary to compare the interest rates, handling fees and repayment methods of different banks. You can compare the bank official website with the loan platform, or you can communicate with the bank staff to find out all the relevant interest rates and fees, and choose the repayment method that suits you, such as average capital, equal principal and interest, and so on.

Finally, when applying for a loan, we should maintain a stable loan frequency. Frequent application for loans or loan operations will increase personal credit risk and be easily rejected by banks. You can check the personal credit risk index in Sixi data to effectively avoid such risks.

To sum up, the choice of small bank mortgage needs to be combined with the actual demand and risk ability, and at the same time understand the bank's qualifications, reputation, interest rates, handling fees and other factors to maintain a stable loan frequency.