1. interest: this is the main income that banks get from loans. The interest rate usually depends on the market interest rate and the borrower's credit rating.

2. Handling fee: This is the fee incurred by the bank in the process of handling loan application and lending. The handling fee is usually calculated as a percentage of the loan amount.

3. Margin: This is the guarantee provided by the borrower to guarantee the repayment ability of the loan. Margin is usually provided in the form of cash or other assets.

4. Management fee: This is the fee charged by banks for managing loans, including services such as account management and repayment records.

5. Floating charge: This is a charge that changes with market changes, such as interest rate adjustment or exchange rate changes.