Teachers can not only apply for general personal loans, but also apply for credit loans and salary loans provided by commercial banks for teachers and institutions. Teachers can not only enjoy certain interest rate concessions when handling loan business in banks, but also enjoy the priority of examination and approval. The specific preferential degree depends on the applicant's personal income and credit situation.

1. Personal loans: Personal loans refer to loans provided by commercial banks to individuals for personal consumption or production and operation.

2. Credit loan: Credit loan refers to a loan issued with the credit of the loan applicant without providing guarantee.

3. Wage loans: Wage loans refer to personal credit revolving loans provided by banks for enterprises and institutions with stable and continuous wage income.