Before applying for a loan, many people are used to understanding the "loan-related" before acting. For example, what kinds of loans are there, just like a driver wants to know the steering principle of the steering wheel and tires, and then make judgments and choices after being clear. In fact, there are many ways to borrow money. Let's take a look at them together.

A, according to whether there is a mortgage, can be divided into mortgage loans,

1, mortgage

Literally, it is necessary to provide collateral with a certain value, such as housing, car mortgage, or financial collateral, such as certificates of deposit, funds, bonds, etc.

2、

Also known as credit loans. It only needs to examine personal credit and does not need collateral. Generally speaking, if the personal credit is good and there is a stable source of income to ensure the ability to repay on time, loans can be issued.

Two, according to the types of loans, mainly divided into consumer loans, business loans.

1, consumer loan

There are mainly housing loans, auto loans, real estate mortgage loans, comprehensive consumer loans, and national student loans. Among them, comprehensive consumption includes house decoration, home decoration, tourism and wedding, education and study abroad, and daily small consumption.

2. Operating loans

There are mainly commercial housing loans, commercial vehicle loans and production and operation loans, among which production and operation loans are loans issued to small and micro enterprises or individual industrial and commercial households to meet the needs of production and operation.

Three, according to the length of the loan period, can be divided into short-term loans, medium-term loans, long-term loans.

1, short-term loans: loans within 1 year (inclusive);

2. Medium-term loan: 1-5 years (including 5 years) loan;

3. Long-term loans: loans of more than 5 years, with a maximum of 30 years.

The above is about "what are the ways of loan". In fact, there are many ways to subdivide loans. Let me give you an example.

There are several ways for bank loans.

Hello, there are many ways to get loans from banks, such as credit loans, commercial loans and mortgage loans. You can choose the appropriate loan method according to your own needs and conditions. At present, there are many platforms on the Internet to borrow money. I suggest you pay attention to two factors when choosing. First, choose a trustworthy brand; Second, we should pay attention to the clarity and transparency of loan products and services, such as loanable amount, loan interest rate, repayment time and repayment method. Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.

MoneySpend, a credit brand owned by Xiaoman Finance, is recommended to provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Wealth Management APP (click on the official calculation). The daily interest rate of money-consuming loans is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, flexible repayment, transparent interest expenditure and strong security.

The application conditions for sharing rich consumer products with you are mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: Money-rich flowers refuse to provide consumer installment loans to students at school. If you are a student at school, please give up the application.

2. Information requirements: You need to provide your second-generation ID card and my debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID card or first-generation ID card.

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This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual calculation method of interest expenses of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan page shall prevail. I hope this answer is helpful to you.

There are several ways to borrow money.

The types of bank loans refer to the forms of loans. According to the provisions of the General Principles of Loans, the main forms of loans issued by commercial banks in China are entrusted loans, credit loans, mortgage loans and discounted bills. At the same time, commercial banks actively carry out market-oriented financial innovation and launch many loan varieties that meet the needs of small and medium-sized enterprises.

1In June, 1996, the General Rules for Loans promulgated by the People's Bank of China classified bank loans as follows:

(1) Self-operated loans, entrusted loans and specific loans. Self-operated loan refers to the loan that the lender raises funds in a legal way and issues independently. The risk shall be borne by the lender, and the principal and interest shall be recovered by the lender. Entrusted loans refer to loans provided by clients such as government departments, enterprises, institutions and individuals, which are issued, supervised and recovered by lenders (i.e. trustees) according to the loan object, purpose, amount, term and interest rate determined by clients. The lender (trustee) only collects the handling fee and does not bear the loan risk.

(2) Special loans refer to loans granted by wholly state-owned commercial banks after taking corresponding remedial measures for possible losses caused by loans with the approval of the State Council.

(3) Short-term loans, medium-term loans and long-term loans. Short-term loans refer to loans with a loan term of less than one year (including one year). Medium-term loans refer to loans with a loan term of more than one year (excluding one year) to less than five years (including five years). Long-term loans refer to loans with a loan term of more than five years (excluding five years).

(4) Credit loans, secured loans and discounted bills. Credit loan refers to the loan issued by the borrower's credit. Secured loan refers to secured loan and mortgage loan. Secured loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), which promises the borrower to assume general guarantee liability or joint liability in accordance with the agreement when the loan cannot be repaid.

(5) Mortgage loan refers to the loan granted with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC).

(6) It refers to the loan issued with the movable property or rights of the borrower or a third party as pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC). Bill discount refers to the loan issued by the lender by purchasing the unexpired commercial paper of the borrower.

Generally speaking, bank loans are mainly divided into the following six types:

1, which can be divided into short-term loans, medium-term loans and long-term loans according to the repayment period;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.

4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.

5. According to the loan scale, it can be divided into wholesale loans and retail loans;

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans.

What are the ways of bank loans?

The mainstream loan methods of banks are: credit loan, mortgage loan and secured loan. The following are the characteristics of several loan methods:

1. Credit loan: When a borrower obtains a loan with personal credit, the lender's credit qualification and repayment ability are usually used as the basis for judging the loan amount. This kind of loan is risky because there is no mortgage and no guarantee.

2. Mortgage loan: The borrower needs to mortgage the collateral to the bank, and the bank has the right to dispose of the collateral for repayment.

3. The loan forms of certificates of deposit, insurance policies, short-term treasury bills and other valuable bonds are usually.

4. Guaranteed loan: If the borrower's loan conditions do not meet the requirements, friends and relatives with better qualifications can be used as guarantees, so that both the borrower and the guarantor will be responsible for the loan and the borrower can get the loan quickly.

What are the ways to get a loan?

Loans are divided into the following five types

1, credit loan

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.