1, according to the different purposes of personal loans, it can be divided into personal housing loans, car loans, study abroad loans, student loans, personal consumption loans, personal business loans and so on.
2. According to the different ways of personal loan guarantee, it can be divided into credit loan and secured loan, and the latter includes secured loan, mortgage loan and pledge loan.
3. According to the different repayment methods of personal loans, it can be divided into installment loans and one-time loans. The former includes average principal, equal principal and interest, installment principal, equal incremental principal, equal decreasing principal and combined repayment.
4. According to the different periods of personal loans, it can be divided into short-term, medium-term and long-term loans. Short-term loans are within 1 year (inclusive), and medium-term loans are within 1 to 5 years (inclusive); Long-term loans are generally more than 5 years, mostly 20 to 30 years.