Consumer goods with clear money and goods are obtained through the transaction method of paying one hand and delivering the goods. Once the transaction is completed. The ownership and use rights of the goods belong to the buyer himself.

Loan consumption is suitable for purchasing large-scale durable consumer goods and large-scale services. It is "spend tomorrow's money to realize today's dream". When purchasing houses, cars and other commodities, the one-time payment may exceed the payment ability of some buyers, and these buyers can consider their future income for consumption.

Leasing consumption, some commodities, such as houses, cars, books that do not need to be read repeatedly, etc., consumers may not be able to buy, or do not want to buy due to the limited number of uses, they can use short-term leasing without changing Change the ownership of the product and obtain the right to use the product for a certain period of time.