2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts.
3. According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the different loan amount, it can be divided into wholesale loans and retail loans.
6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans.
Extended data:
Matters needing attention in personal loans are:
1. Moderate loan: When individuals apply for loans, they must fully consider the financial situation of individuals and families. Generally, the monthly repayment amount should not exceed 50% of the family's total monthly income.
2. Choose the right loan product: individuals need to choose the right loan type, loan term and repayment method according to their own situation.
3. Maintain good personal credit: individuals need to maintain a good credit record. Once the credit record is bad, it will directly affect the operability of the loan and even be refused by the bank.
4. Provide true and effective information: when handling loans, individuals need to provide real personal information to the bank, not false information, otherwise they may be blacklisted by the bank and will never handle loans in violation of regulations in the future. Also, when personal information changes, individuals must notify the bank in time.
Baidu encyclopedia-loan
Baidu encyclopedia-loan classification