1. Bank loan: If Bank A loans, the interest rate will usually be lower than other institutions, which is more cost-effective and safer;

2. Loans from lending institutions: You can go to some relevant lending institutions for loans. In this way, you need to choose a formal institution to handle it;

3. Online lending: Online lending will have lower requirements for lenders and will not be linked to credit reporting. However, when choosing, we need to be cautious and choose a formal and legal online lending institution.

Conditions for handling loans

1. The lender must be at least 18 years old and have full capacity;

2. The loan applicant needs to have a good credit record;

3. The loan applicant must provide a legal and valid People's Republic of China (PRC) identity card;

4. Lenders need to have a stable source of income and sufficient repayment ability;

5. Lenders need to provide articles with guarantee ability for guarantee.

In some different lending institutions, the requirements for loans will be slightly different. At the same time, there will be some informal lending institutions. The requirements of such institutions will be lower, but the interest rate will be higher. Therefore, lenders need to carefully choose lending institutions when lending.