Group 1 - The core idea emphasizes the importance of preparation and knowledge in navigating the financing process in Wuhan, particularly through local lending platforms [3][4][9] - Key documents such as identification, income proof, and credit reports are essential for a smooth application process, with a focus on ensuring they are accurate and up-to-date [4][7] - Comparing different lending platforms and understanding the terms, including interest rates and hidden fees, is crucial for securing the best financing options [3][7] Group 2 - Utilizing pre-approval features offered by many lending platforms can significantly enhance efficiency and provide clarity on potential loan amounts [4] - Identifying the specific type of loan needed (e.g., business loan, consumer loan, or mortgage loan) allows for more targeted applications, improving the chances of quick approval [4][9] - Maintaining a good credit record can lead to better loan conditions and terms, highlighting the importance of financial health in the borrowing process [7]