1. Murray's industrial and commercial loans mainly include ordinary loan lines, working capital loans, standby loan commitments and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.

2. If the purchased vehicle or other real estate is mortgaged to apply for a loan, the down payment shall not be less than 30% of the purchase price, and the loan amount shall not exceed 70% of the purchase price.