1, consumer loan. The so-called consumer loan is actually a personal credit loan. Borrowers don't need to provide any mortgage or guarantee, and they don't need to increase the number of borrowers. They just apply for loans by virtue of personal credit.

2. Mortgage loan. Mortgage loan, in fact, means that the borrower needs to provide an item as collateral, as a loan guarantee, in exchange for a certain loan amount. If it is not returned in time, the mortgaged items can only be seen at the judicial auction.

3. Guaranteed loan. Everything useful is mortgaged, and it must be mortgaged by the employer. A secured loan is actually a third party willing to guarantee the borrower. If the borrower fails to repay the loan, the guarantor will bear the repayment responsibility.

4. Pledged loan. The word "mortgage" is familiar to many people, but the word "pledge" is unfamiliar to many people. Pledged loan means that the borrower gives his movable property and property rights to the bank for mortgage.

5. Special loans. The so-called special loans refer to some special loans issued by banks in cooperation with the state. It is still difficult for ordinary people to get special loans, because it is not up to banks to decide and needs corresponding policy support and rules and regulations. If they want to apply, they must go to the corresponding department.

6. Policy loans. In fact, the insurance we usually buy can also be used for loans. As long as you have cash value, you can apply for a loan from the bank. The maximum loanable cash value is 80%, and the longest loan period is 180 days.