选择个人贷款时，我应该留意哪些费用？
与个人贷款相关的常用费用包括发起费用，延迟付款费和退回支票费用。有些贷款人也为a充电预付期罚款 to borrowers who opt to pay off their loans early. keep in mind, however, that many lenders offer a no-fee structure that can reduce costs over the life of your loan—so it’s important to always shop around for the most favorable loan terms.
in general, personal loans are restricted to use for just that—personal uses. lenders typically extend personal loans to borrowers who want to finance things like home improvement, travel and vacations, weddings, car-related expenses and debt consolidation. on the other hand, banks often restrict the use of personal loan funds on post secondary education costs, business purposes and illegal activities.
while most lenders ask prospective borrowers to provide the purpose of the loan in their application, some banks are more strict—requiring borrowers to use the loan on exactly what they identify in the initial loan application.