1. Personal consumption loan: loan service provided by banks to individuals for purchasing consumer goods and paying travel expenses. This kind of loan usually has low interest rate and flexible repayment method.
2. Mortgage loan: loan service provided by banks to individuals or enterprises with their houses as collateral. Such loans are usually used to buy houses, improve housing conditions or make investments.
3. Vehicle mortgage loan: loan service provided by banks to individuals or enterprises with their vehicles as collateral. This kind of loan is usually used for buying a car, repairing a car or other expenses related to a car.
4. Commercial loans: loan services provided by banks to enterprises for operation, business expansion or investment. This kind of loan usually has a high amount and strict approval requirements, because it involves commercial risks.
5. Student loans: loan services provided by banks to students to pay tuition, books and living expenses. This kind of loan usually has low interest rate and flexible repayment conditions, and the repayment begins after the students finish their studies.
It should be noted that each bank may provide different types of online loan products, and the loan amount, interest rate and repayment method will vary from bank to bank. When choosing a bank loan, we should carefully compare various conditions and make a reasonable choice according to our own needs and economic situation.
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The online lending market of banks in China has developed rapidly in recent years, and many banks have launched online lending platforms, making it more convenient to borrow money. However, borrowers should carefully choose loan products to ensure that they can repay on time and abide by relevant laws and regulations. In addition, borrowers should also pay attention to protecting the security of personal information and avoid being deceived.