After-loan management refers to the management services provided to lenders by banks or financial institutions after a personal purchase of a loan. Post-lending management relates to the lender's repayments, credit ratings, the borrower's use of funds, etc., and is designed to monitor and regulate the borrower's borrowing behaviour. Credit loans are loans provided by banks or financial institutions to individuals or enterprises, depending on their credit position. So, does mortgage management get credit? We can do this from the following angles。

Will mortgage management find credit

First, mortgages and credit loans are two different forms of loans. The loan is a loan for the purchase of the house as a security item and, because the house itself is of high value, ownership of the property is the basic condition for applying for it. Credit loans are used to meet the financial needs of individuals or enterprises, depending on their credit position. Owing to the different types of loans, post-loan management does not directly involve information on credit loans。

Second, the main focus of post-loan management is on the repayments by lenders and the use of the borrower ' s funds. A bank or financial institution monitors the lenders ' repayments through post-credit administration to ensure that the lenders pay on time. At the same time, post-credit management will also focus on the use of borrower funds to prevent lenders from using loans for non-purchase-related consumption or investment. As a result, post-lending management does not proactively seek information on credit loans, as the two differ in their objectives and management。

In addition, the management of credit loans has focused mainly on assessing and monitoring the credit position and repayment capacity of borrowers. When applying for credit loans, a bank or financial institution usually conducts a credit evaluation to assess the borrower ' s credit record, income status, repayment record, etc. After the loan is disbursed, the bank or financial institution also provides credit supervision to the borrower to ensure that the borrower is on time to pay. As a result, the management of credit loans is more extensive, and there is a certain difference from post-loan management。

In the light of the above, post-loan management and credit lending are two separate and different types of lending operations with different objectives, approaches and management priorities. The management of mortgages is primarily concerned with the repayment of the loaner and the use of the loan funds and does not directly search for information on credit loans. The management of credit loans, on the other hand, focuses mainly on the credit position of borrowers and their ability to repay. Thus, post-loan management and credit administration are not directly related。