Personal loans to meet customers' short-term capital needs for production and operation. If the loan term is less than one year, you can take any interest payment, equal principal and interest repayment, equal principal repayment, one-time principal and interest repayment, etc. If the loan term is more than one year, the method of equal principal and interest and average principal repayment can be adopted. The specific repayment method shall be negotiated between the handling bank and the borrower and agreed in the loan contract.

2. Personal loans for supporting agriculture

The RMB loans granted by China Construction Bank to farmers in some areas are used to support agricultural production and operation such as agricultural planting and breeding. One or more combinations of mortgage, guarantee, pledge and credit can be adopted.