Pre-lending refers to a series of preparatory work that the borrower needs to complete between signing the loan contract and lending after being approved by the lending institution. Including collecting personal information, filling out loan application, providing financial proof, handling mortgage guarantee, signing guarantee contract and other procedures. These steps are to ensure the legitimacy and credit rating of borrowers and the risk control of lenders.

In the early stage of borrowing, we should carefully check the reputation, reputation and credit records of lending institutions to avoid choosing low-quality institutions. Fill in the loan application form carefully and provide financial proof to ensure that the documents are prepared as required to avoid incomplete or untrue information. At the same time, we should fully understand the terms of the loan contract, especially the interest rate, term, repayment method, appeal channel and other details to ensure that there will be no subsequent credit risk.

In short, the pre-loan stage is a very important link in the loan process, which requires the joint efforts of both borrowers and lenders. Careful preparation and review of materials is not only a necessary condition to meet the loan conditions, but also allows you to understand the specific terms and risks of the loan contract, so as to formulate a sound financial plan and repayment plan, and truly achieve mutual benefit and win-win for both borrowers and borrowers.