Matters needing attention in personal loans are:

1, moderate lending:

When individuals apply for loans, they must fully consider the financial situation of individuals and families. Generally, the monthly repayment amount should not exceed 50% of the family's total monthly income.

2. Choose the right loan product:

Individuals need to choose appropriate loan varieties, loan terms and repayment methods according to their own conditions.

3. Maintain good personal credit:

Individuals need to maintain a good credit record. Once the credit record is bad, it will directly affect the operability of the loan and even be refused by the bank.

4. Provide true and effective information:

Individuals need to provide real personal information to the bank when handling loans, not false information, otherwise they may be blacklisted by the bank and will never handle loans in violation of regulations again. Also, when personal information changes, individuals must notify the bank in time.

5. There are clear loan purposes:

When applying for a loan, individuals must explain the purpose of the loan and provide relevant supporting materials, such as purchasing real estate, production and operation turnover, decoration, etc.