Those who have to pay first are liars. In the past, in Hongqihegou, others had to pay money first and paid 500 yuan. Finally, the loan didn't come down at all, and it was called paying. I heard that some of them are borrowed, and the interest rate is much higher than that of banks, so it's better to borrow them from banks, that is, bigger banks, such as China Bank, China Merchants Bank and China Construction Bank.