1. Monthly management fee: The so-called monthly management fee calculates interest according to the initial loan amount, while the monthly interest rate is based on the remaining principal of each month. With the change of the times, there are various expenses in the loan market, among which the monthly management rate is the protagonist. In many cases, the role of monthly interest has been banned, and the relationship between monthly interest and loan interest is particularly close. In addition, besides the different names, the calculation methods are also very different.

2. One-time handling fee rate: refers to handling this loan business, which only charges once, and will not be charged again in the future.

3. Monthly interest X: it is a common name for private lending, and the score here is 1%. If the monthly interest rate is 3 points, it means that the monthly interest rate is 3% of the loan amount. If the loan is 6,543,800 yuan, the funds will be used for two months and the interest will be 6,000 yuan.

4. Multi-head loan: refers to the borrower borrowing from a number of banks or private institutions at the same time to effectively fill the funding gap. Simply put, individuals or enterprises (companies) borrow money from many banks.

5. Revolving credit line: After obtaining a certain loan line from the bank, the customer can withdraw it for recycling several times within the time limit. When withdrawing a single sum not exceeding the available amount, the customer only needs to fill in the withdrawal application form, and can withdraw cash within 1 hour without special re-approval. It is suitable for the characteristics of small personal quota, urgent requirements, quick turnover and the demand for funds of retail investors.

6. Bad credit: credit stain, also known as bad credit record. After a bank customer applies for a loan, due to some reasons, the repayment is overdue, which is also a credit stain. Different banks have different approval standards for personal credit records. With the change of time, consumers' economic situation and repayment situation will also change, and banks will not always pay attention to consumers' early bad credit records.