Credit loan is the most popular loan method at present. Borrowers only need to provide ID cards, work certificates, income certificates, loan purposes and other certificates, and their personal credit status is good to obtain loans.
2. Mortgage loan
Mortgage loans often have low loan interest rates, so the repayment pressure is relatively small for borrowers, and both houses and vehicles can be mortgaged.
3. Risk loans
At present, the state has support policies for entrepreneurship, and common loans include loan subsidies and interest-free loans.
4. Personal commercial loans
To apply for a personal business loan, you need to have full capacity for civil conduct, a local hukou, a local fixed business place and a stable income. And it is necessary to provide legal collateral.
5. Student loan
There are four main forms of student loans, namely, national student loans, student-origin credit student loans, interest-free loans provided by colleges and universities to students with state financial funds, and commercial student loans. Student loans do not need guarantees and mortgages. Borrowing students can apply to the bank through the school and repay in installments after graduation.
Common types of bank loans
Like us, we usually go to the bank to apply for loans, mainly for credit loans, mortgage loans, mortgage commercial loans, provident fund loans, secured loans, policy loans and so on.
Among them, credit loan refers to a loan that the borrower does not provide guarantee, but is issued with the credit of the payer;
Mortgage loan is a kind of loan issued by the borrower to provide a certain amount of collateral as loan guarantee to ensure the repayment of the loan at maturity;
Mortgage commercial loan is a kind of mortgage loan, which generally refers to housing mortgage loan, that is, the mortgage of the purchased house and the loan provided by the developer on a regular basis;
Provident fund loans are loans that employees who pay housing provident fund can enjoy;
A secured loan is a loan granted on the condition that a third party provides the corresponding guarantee for the borrower;
Policy loans are loans secured by the cash value of life insurance policies.