I suggest that you don't blindly pursue false promises or "non-repayment" scams in loans. It is necessary to know the details of each loan, such as repayment method, interest and expenses, borrow selectively and repay in a planned way. The following is a brief description of seven kinds of loans:

1 credit card installment:

Credit card installment payment is a common way of consumption, but it must be returned within the specified time, otherwise it will cause high late fees and penalty interest. It is suggested that when using credit card to pay by installments, the monthly repayment amount should be calculated in advance to avoid extra expenses caused by overdue.

2. Rental consumption:

In rental consumption, if the goods are rented out, they need to be returned according to the time and amount agreed in the lease agreement. If they are not returned, they will be fined. Therefore, when signing the lease agreement, you must read the terms carefully and specify the return time and related requirements.

3. Car loan:

Vehicle loan is a long-term loan, which needs to be repaid according to the agreed time and amount, and at the same time, vehicle insurance and other expenses need to be paid every year. It is recommended to evaluate your financial situation before buying a car and choose the appropriate model and repayment method.

4. Personal housing loan:

Personal housing loan is a long-term loan, which needs to be repaid at the agreed time and amount, and at the same time needs to pay interest and extra fees. When applying for a personal housing loan, you need to consider your income level, family status and the value of the house.

5. Credit loan:

Credit loans do not need collateral, but borrowers need a stable source of income and a good credit record. The repayment method includes equal principal and interest and average capital, which needs to be repaid at the agreed time and amount.

6. Student loans:

Student loans are provided to students who need to pay tuition and living expenses and repay them after graduation. Students should seriously consider their own loan situation and choose the appropriate repayment method.

7. Housing mortgage loan:

Housing mortgage loan needs to be mortgaged by the house and repaid at the agreed time and amount. It should be noted that if the lender fails to repay the loan within the time limit, it will face the risk of losing its property.

In short, please carefully review your personal financial situation, understand the detailed information of each loan, choose the appropriate loan and repayment method, and protect your credit record and big data credit record. Beware of fraud, financial management needs to be cautious.