Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Loan type:
According to the loan term, it is divided into:
Medium-and long-term loans-the loan term is more than 5 years.
Medium-term loan-the loan term is greater than 1 year and less than 5 years.
Short-term loan-the loan term is within 1 year.
Overdraft-a loan with no fixed term
By currency:
Local currency loan
Foreign currency loan
According to the nature of the lender, it is divided into:
Bank loan (self-operated loan)
Consortium lending
Entrusted loan (provident fund loan is a typical entrusted loan)
Specific loan
According to the nature of the loan subject, it is divided into:
Economic organization loan
Enterprise unit loan
Public institution loan
personal loan
According to the purpose of the loan, it is divided into:
Enterprise (economic organization) category
Fixed assets investment loan
Project financing loan
General fixed assets loan
liquidity loans
Lay the foundation for working capital loans
Temporary working capital revolving loan
bill discounting
Individual human
Personal commercial loan
Personal consumption loan
Housing mortgage loan (commonly known as mortgage)
Primary housing loan
Second hand housing loan
Increase in housing loans
Financial mortgage loan
housing loans
Commercial housing mortgage loans (some banks classify such loans as operating loans)
Primary housing loan
Second hand housing loan
Auto loans (including self-use cars and commercial vehicles, some banks classify commercial vehicle loans as operating loans)
Used car (car loan)
Used car (original car financing loan)
Locomotive-related loans
Locomotive financing (also known as locomotive loan, locomotive loan and increase of locomotive loan)
Car installment loan (also known as car installment loan, car loan, motorcycle installment loan or motorcycle installment loan)
Student loan
Other consumer loans
Decoration loan
Tourism loan
Durable consumer goods loan
other
Personal pledge loan
Divided by interest rate:
Fixed rate loan
floating rate loan
Mixed interest rate loan
According to the loan guarantee method is divided into:
Unsecured/credit loan
Secured loan
Secured loan
loan on mortgage/security
loan on mortgage/security
bill discounting
According to the quality (risk degree) of loan assets, it is divided into:
Normal loan
Pay attention to loans
Subprime loans
Suspicious loan
Loss loan
According to the loan existence mode, it is divided into:
Normal loan
Overdue loan (0- 180 days overdue)
Dull loan (overdue 18 1-360 days)
Non-performing loans (overdue over 36 1 day)
Provident fund loan