单选题 Consumer Credits are high risk and high interest credit products, which are usually classified into three sorts: amortization loan, credit card and non- installment loan for purchasing cars or non - structure houses or investing a little amount and so on. Their maturity usually range from two to five years. Education loan is just one type of amortization loans.
Credit card, first issued by Franklin National Bank in 1952, is a kind of revolving loan, and is getting more and more popular.
Non - installment loan is a kind of short - term loan to meet temporary need and is supposed to pay back at one rime. It is also called bridge loan.
Commercial banks provide long- term Mortgage Loans to borrowers (consumers) to purchase homes/land. The ownership of the property remains in mortgagees and the possession of property usually remains in mortgagors mdess and until the occurrence of default or full repayment. Maturity of such loans is usually 30 years and the interest rates are fixed. Maximum amount of such loans is 70% of the property value, and the balance shouhl be paid in cash as down payment. A home mortgage plan is much more than a mortgage loan. It has additional benefits. For example, the loan remount is up to 85% of borrower"s property value, and repayment periods are up to 30 years. Repayment schemes include straight line repayment schemes, reducing balance repayment schemes, step- up repayment schemes, and fortnightly repayment option. Other financial services include home owner"s overdraft, up to HK $ 400,000 decoration loan as much as HK $ 400,000 with a repayment period of up to three years.
Bridging Loan, which will help borrowers to complete the purchase of the new property before borrowers" receipt of safe proceeds from borrowers" existing property, equity Loan, up to HK $ 2,000,000 for use as a deposit for a new house, or for other personal financial needs exclusive preferential interest rate.

单选题 Consumer Credits are high risk and high interest credit products, which are usually classified into three sorts, they are ______.

单选题 Consumer credit can be used to extend loans to the borrower for ______.

单选题 With mortgage loans, unless and until the occurrence of default or full repayment, ______.

单选题 Maturity of mortage loans is usually ______.

单选题 According to the passage, a home mortgage plan ______.