1. How many types of personal loans are there? What are the common basic knowledge of personal loans?

Loans are creditor's rights formed by banks lending money directly to debtors. The repayment method of the loan is agreed by the borrower and the borrower in the contract. Generally, there are many repayment methods, such as one-time repayment, regular repayment when due, equal repayment, repayment in average capital, equal repayment afterwards, and repayment in average capital afterwards. Concept and classification of personal loan

Personal loans refer to loans with natural persons as borrowers. Personal loans are mainly divided into personal consumption loans (including personal loans for purchasing houses, automobiles, house decoration, tourism, education, large-scale durable consumer goods and other consumer purposes) and personal business loans. Personal housing loan Personal housing loan is a loan that the lender wants the borrower to issue for the purchase of housing. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the loan principal and interest at maturity, the lender has the right to dispose of its collateral according to law. Personal housing loans are divided into three types, namely commercial personal housing loans, personal housing provident fund loans and personal housing portfolio loans. Personal business loans Personal business loans refer to loans issued by banks to borrowers for legal production and business activities such as moving, purchasing or updating business equipment, paying the rent of leased business premises, and decorating commercial houses. Personal business loans are available to China citizens (excluding Hong Kong, Macao and Taiwan residents) who meet our personal business loan policy and have full civil capacity, including individual industrial and commercial operators, major partners of sole proprietorship/partnership/limited liability companies or major natural person shareholders. For housing loans, banks usually use two ways to repay the principal and interest in installments. One way is to repay the principal and interest equally every month during the loan period, and the other way is to repay the principal equally. Everyone repays the loan principal in equal amount, and the loan interest decreases month by month with the principal.

Second, how to classify personal loans according to loan guarantee methods?

1. Personal mortgage loan refers to the loan obtained mainly through mortgage guarantee;

2. Individuals refer to loans obtained mainly through pledge guarantee;

3. Personal secured loans refer to loans mainly obtained through guarantees;

4. Personal credit loan refers to the loan that the borrower obtains from the bank only with personal credit without providing any guarantee measures.

3. How are personal loans classified?

Loans in the name of the company must be accounted for, otherwise there is no basis for banks to pay loan interest. If the boss uses it for personal purposes, such as transferring money to a personal account, you should also handle it, otherwise your bank deposit account is inconsistent with reality and cannot be reconciled with the bank. If it is used for personal consumption, such as buying a car with public funds, but the title certificate is in the name of an individual, if it cannot be returned before the end of the year, then the tax will be treated as a dividend and personal income tax will be paid.