(1) The loan term is long. (2) The loan is subject to floating interest rate, which is adjusted regularly with the change of financial market interest rate, but generally lower than the market interest rate. (3) Usually, it only provides the foreign exchange needed for goods and services for the projects funded by it. (4) The loan procedure is strict and the approval time is long.

World Bank loans refer to loans provided by the World Bank to its member countries and private enterprises. The loan is required to be earmarked for special purposes, and the scope of use must be limited to the approved projects.