Operating environment: Apple 7P; IOs 13.4； Postal savings bank 6.0.5.

2. Next, click the "Settings" button on my page.

3. After entering the settings, click the "Security Center" column.

4. Then, find the "Payment Management" option in the Security Center.

5. Then, click the "Payment Limit Management" function in the page.

6. Finally, after modifying our trading limit, click OK.

With the development of market economy, enterprises, companies or individuals have a growing demand for loans, but there are still many unclear places for us ordinary people. The following summarizes some basic financial knowledge of loans for everyone to learn from each other.

Loans seem to be a very simple matter, that is, borrowing money from others and then paying back the money with interest. In fact, loan is a very professional technical job. If you don't know some financial knowledge, it's easy to get a loan that is not what you want. In order to help you better learn and understand the knowledge related to loans, this paper summarizes ten basic knowledge of loans.

1. What are the common loan forms, and what are their characteristics and advantages?

Loans are divided into "credit loans" and "mortgage loans".

2. What's the difference between a "lender" and a "borrower"?

In the process of lending, most people don't know what is a "lender" and what is a "borrower".

Lender: refers to individuals or financial institutions that use credit funds or their own funds to issue loans to borrowers in lending activities, generally referring to commercial banks and central banks.

Borrower: refers to an enterprise, institution or individual that borrows monetary funds from a lender with its own credit or property as a guarantee or a third party as a guarantee in credit activities.

Simply put, if you borrow money from a bank, you are the borrower and the bank is the lender.

3. What are the common repayment methods?

Common repayment methods are: average capital, matching principal and interest, one-time repayment of principal and interest, interest first and principal later.

4. What is the benchmark interest rate? What will float?

The benchmark interest rate is the deposit and loan interest rate uniformly stipulated by the People's Bank of China, which is used to guide the deposit and loan business of commercial banks. Commercial banks can float on the benchmark interest rate according to market conditions and borrowers' conditions.

The main reason for the increase in loan interest rate is that the market demand for loans is greater than the supply of funds. Simply put, banks are short of money. In addition, the borrower's own credit status is not good, and the bank thinks that the loan risk is too high, so it raises the interest rate.