Huimin loan launched by Bank of Communications is a wage-earning pure credit loan product, which does not need to provide mortgage or guarantee, and requires the applicant to have a good credit status and stable income. The repayment method is to pay the interest first and then the principal within one year, so that the borrower can pay the interest every month and pay off the principal slowly every month, thus reducing the burden on the borrower. The line is recycled within three years, and no interest is calculated without withdrawal.