1. Fundamentally speaking, these points are all loan products, all of which belong to borrowing and spending first and then repaying the loan, and all of which are personal credit loan services based on personal credit information and other factors. Credit card borrowing means that financial institutions give users a certain amount according to personal credit status, and cardholders can use this card to carry out consumption. Consumer loan is a kind of loan issued by financial institutions to borrowers, but this credit fund is only used for restricted consumption. Micro-loan is a kind of business loan aimed at individuals or families, which is a broadening of the practical application of micro-loan.

2. In terms of loan amount, credit card loans are at least, followed by micro-loans, and most of them are consumer loans.

The amount of bank credit card loans is extremely small, ranging from several thousand to tens of thousands, but it can be increased according to the user, spending power and personal credit status. The amount of consumer loans can reach millions, depending on the main purpose of consumption. The amount of small loans is higher than that of bank credit cards, which can reach several hundred thousand, but it will not exceed four or five hundred thousand, which is less than that of consumer loans.

3. In terms of loan life, the loan term of consumer loans is the most, followed by micro-loans and bank credit cards.

credit card repayment by installment can increase the loan period to one year, but not more than two years. The maximum term of small loans can reach three years, while the maximum term of consumer loans can reach five years.

4. As far as borrowing purposes are concerned, consumer loans can only be used for specific consumption, while credit card micro-loans can be used for various consumption.

each kind of consumer loan can only be used for a specific purpose, and can't be used for other purposes. If the housing loan is only used for buying a house, the car loan is only used for buying a car. Credit card loans and micro-loans have no such restrictions and can be used for all kinds of consumption, not only for daily life, but also for games and entertainment.

5. As far as the interest rate of bank loans is concerned, the interest rate of credit cards is relatively low, the annual interest rate of small loans is relatively high, and consumer loans are even higher.

bank credit cards have a certain repayment period (which varies according to different financial institutions and card types, some of which can reach up to 56 days), but if you use credit cards to withdraw cash, you will charge a service fee (generally 1% to 3%) and interest (about 5% per day). Small loans are calculated from the date of borrowing, and the annual interest rate is higher than the benchmark loan rate. Consumer loans are adjusted according to the benchmark loan interest rate issued by the central bank, ranging from 4% to 5%. What should I pay attention to when handling the mortgage cancellation?

1. Find a regular company to borrow money

If the owner of the residential area doesn't use the customer's down payment to understand the mortgage, it means that one of the two ways must be chosen, that is, finding an intermediary loan and finding a loan guarantee company to solve the mortgage. It is necessary to pay attention to finding a regular company, otherwise the second charge will be big and the lawsuit will be troublesome.

2. With the permission of financial institutions

The real estate industry that mortgages loans according to the Guarantee Law and the Regulations on the Administration of Real Estate Mortgage can only be sold or leased with the permission of the mortgagee (that is, financial institutions). In other words, before transferring the mortgaged property, it is necessary to obtain the permission of the financial institution first, otherwise it is not allowed to trade.

3. Sign the contract carefully.

Only when the words are empty and the words are recorded in black and white can it be safe and secure. No matter whether you choose to borrow money from an intermediary company or a loan guarantee company, or use the buyer's down payment to release the mortgage, you must be careful in signing the contract, read the articles and terms of the contract, and check the key information to prevent disputes.