1. There are many kinds of loans with wide uses.
Personal loans of commercial banks include personal consumption loans and personal business loans: both self-operated personal loans and entrusted personal loans; There are both single personal loans and combined personal loans.
2. Loan facilities
All commercial banks are simplifying procedures for personal loan business, increasing business outlets, improving service means and improving service quality, making it more convenient to handle personal loan business.
3. The repayment method is flexible
The repayment methods include equal principal and interest repayment method, average capital repayment method, equal ratio progressive repayment method, equal progressive repayment method and combination repayment method. Moreover, customers can also change the repayment method after consultation with the loan bank according to their own needs and changes in repayment ability.
4. Low capital consumption
Compared with corporate loans, personal loans are characterized by low capital consumption.