1. Personalization of loan investment. It means that the object of credit is a natural person with specific credit, not a general legal person or organization.

2. Consumption for loan purposes. It means that the purpose of this kind of credit is consumer demand, not commercial profit.

3. The loan amount is small. This kind of credit generally has only a small credit line, usually between 65,438+0,000 yuan and 500,000 yuan, and will not occupy a lot of bank credit funds.

4. Flexibility of loan term. This kind of credit has a flexible term. Generally speaking, the buyer's credit period is 6 months to 5 years, while the seller's credit period is relatively long. For example, the term of individual housing loans can be up to 30 years.

5. The security of loan funds. It means that this kind of credit is guaranteed or secured by collateral, and the security of credit funds can generally be guaranteed.