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The financial institution has to incur some charges even though processing and sanctioning of loan and for this reason the processing charge is charged accordingly. 增貸 與二胎房貸最大的差異，其實就在於增貸是向「原銀行」提出申請，且利率較低；而二胎則是將房屋以第二順位的方式，抵押給另一家銀行。 證明債務的文件（如本票）通常會指明借入的本金金額、貸方收取的利率以及還款日期等。貸款致使標的資產在貸款人與借款人之間，在一段時間內的重分配。 Unsecured loans generally characteristic higher fascination rates, reduced borrowing limits, and shorter repayment conditions than secured loans. Lenders could in some cases demand a co-signer (a person who agrees to pay for a borrower's financial debt if they default
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