Legal analysis: after the loan, a loan contract, a guarantee contract and an entrusted deduction agreement should be signed, so as to open an account and withdraw money. After the loan comes down, the borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract.

Legal basis: Article 667 of the Civil Law of People's Republic of China (PRC) is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.