1. Apply for installment. Don't miss it when you can apply for installment. It's best to do it by installment. This will not only reduce your repayment pressure, but also reduce the debt ratio. Borrowing institutions don't see so many liabilities.

2. Use credit cards reasonably. You may have many credit cards. In order to get a loan, you only need a credit card with a high amount, and others can be cancelled. After all, a credit card is a debt, so the debt will be reduced a lot.

3. To provide collateral, if you want to get loans and information quickly, you can only provide collateral if you have high debts. You can try both cars and houses and generally apply.

4. Pay off the debt first. Before handling the loan, in order to reduce the debt, it is also a good way to pay off part of the debt and ask some friends and relatives for help. As long as the debt is reduced, there will be a loan opportunity.