After all, it is a credit loan and a consumer loan.

The characteristic of a credit loan is that the borrower does not need to provide guarantee, and it refers to a loan issued based on the creditworthiness of the borrower. Its characteristic is that the debtor does not need to provide collateral or third-party guarantees to obtain a loan based only on its own creditworthiness, and the borrower's creditworthiness is used as a guarantee for repayment.

Consumer loans, as the name suggests, are loans for personal consumption, including study abroad loans, home decoration, purchasing durable goods and even buying cars. In terms of types, consumer loans include residential mortgage loans, non-housing loans and credit cards. loan.