Rich loan is a personal credit loan product launched by China Construction Bank, which is distributed to individual customers who meet certain conditions and used for legal and compliant business activities. Fu loan does not need to provide collateral or guarantee, and it is handled by pure credit. Customers can freely choose the repayment method according to their loan amount and term, such as equal monthly principal and interest, or average capital, and the specific repayment method can be selected according to the contract.