Project loans need to provide legal and effective guarantees, because the amount of project loans is generally relatively large, so banks will definitely not choose to suffer losses, so you must have corresponding effective guarantees.

1. What are the types of project loans?

1. Capital construction loan: refers to the loan used for capital construction such as infrastructure, municipal engineering and service facilities, as well as new and expanded productive projects with expanded reproduction as the main body.

2. Technical transformation loan: refers to the loan granted to the technical transformation projects of existing enterprises focusing on connotation expansion and reproduction.

3. Science and technology development loans: refers to loans granted for the research and development of new technologies and new products and the transformation or application of scientific and technological achievements in the production field.

4. Loans for commercial outlets: refers to loans applied by commercial, catering and service enterprises to banks when the self-raised construction funds are insufficient to expand outlets, improve service facilities and increase storage area.

5.M&A loans: loans granted to meet the financing needs of domestic dominant customers in the process of restructuring, and used for paid mergers and acquisitions, completed projects and asset-debt restructuring of other domestic enterprises and institutions. M&A loan is a special form of project loan.

Second, the project loan conditions

1. The project should have funds, and the proportion should be stipulated by the state;

2. The project conforms to the loan investment of the loan bank and the national industrial and credit policies;

3. If the project needs the approval of relevant departments, the approval documents of relevant departments must be held before applying for loans;

4. Where the project is located, the areas where loan voucher management is implemented need to hold the loan voucher issued by the People's Bank of China, and have a basic account or general deposit account in the bank.

5. The lender's personal credit, good personal qualification and other conditions that meet other relevant national regulations shall be subject to the conditions required for handling the loan.

To sum up, if you want to make a project loan, the lender must first have good credit, and when making a project loan, you need corresponding legal guarantee before the bank will give you a loan. There are several types of project loans, such as capital construction loans and technical transformation loans.