Often used for housing loans. For example, when consumers buy a house, they need to pay a certain down payment first, and the down payment is also stipulated. The part other than the down payment is the loan part. If the loan ratio is 70%, it means that 70% of the total house price is paid by loans, and only 30% is paid by raising the down payment.
If the down payment for buying a house is not enough, you can ask friends and relatives for help. If you have a good relationship with relatives and friends, you can consider asking them for help. But remember to borrow money from relatives and friends to measure each other's financial situation, and to sign a formal debit note, remember to repay when there is more money, so as to avoid disputes and affect the relationship between friends.