Loans are divided into the following five types

1, credit loan

Credit loan is the most popular loan method at present. Borrowers only need to provide ID cards, work certificates, income certificates, loan purposes and other certificates, and their personal credit status is good to obtain loans.

2. Mortgage loan

Mortgage loans often have low loan interest rates, so the repayment pressure is relatively small for borrowers, and both houses and vehicles can be mortgaged.

3. Risk loans

At present, the state has support policies for entrepreneurship, and common loans include loan subsidies and interest-free loans.

4. Personal commercial loans

To apply for a personal business loan, you need to have full capacity for civil conduct, a local hukou, a local fixed business place and a stable income. And it is necessary to provide legal collateral.

5. Student loan

There are four main forms of student loans, namely, national student loans, student-origin credit student loans, interest-free loans provided by colleges and universities to students with state financial funds, and commercial student loans. Student loans do not need guarantees and mortgages. Borrowing students can apply to the bank through the school and repay in installments after graduation.

What are the ways of bank loans?

The mainstream loan methods of banks are: credit loan, mortgage loan, pledge loan and secured loan. The following are the characteristics of several loan methods:

1. Credit loan: When a borrower obtains a loan with personal credit, the lender's credit qualification and repayment ability are usually used as the basis for judging the loan amount. This kind of loan is risky because there is no mortgage and no guarantee.

2. Mortgage loan: The borrower needs to mortgage the collateral to the bank, and the bank has the right to dispose of the collateral for repayment.

3. Pledged loan: The loan form of valuable bonds such as certificates of deposit, insurance policies and treasury bills is usually pledged loan.

4. Guaranteed loan: If the borrower's loan conditions do not meet the requirements, friends and relatives with better qualifications can be used as guarantees, so that both the borrower and the guarantor will be responsible for the loan and the borrower can get the loan quickly.

There are several ways to borrow money.

Hello, there are many ways to get loans from banks, such as credit loans, commercial loans and mortgage loans. You can choose the appropriate loan method according to your own needs and conditions. At present, there are many platforms on the Internet to borrow money. I suggest you pay attention to two factors when choosing. First, choose a trustworthy brand; Second, we should pay attention to the clarity and transparency of loan products and services, such as loanable amount, loan interest rate, repayment time and repayment method. Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.

Money Spend, a credit brand owned by Xiaoman Finance, is recommended to provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Wealth Management APP (click on the official calculation). The daily interest rate of money-consuming loans is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, flexible repayment, transparent interest expenditure and strong security.

The application conditions for sharing rich consumer products with you are mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: Money-rich flowers refuse to provide consumer installment loans to students at school. If you are a student at school, please give up the application.

2. Information requirements: You need to provide your second-generation ID card and my debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID card or first-generation ID card.

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This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual calculation method of interest expenses of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan page shall prevail. I hope this answer is helpful to you.

What are the loan methods? Just look at it.

Before applying for a loan, many people are used to understanding the "loan-related" before acting. For example, what kinds of loans are there, just like a driver wants to know the steering principle of the steering wheel and tires, and then make judgments and choices after being clear. In fact, there are many ways to borrow money. Let's take a look at them together.

First, according to whether there is mortgage or not, it is divided into mortgage loans and unsecured loans.

1, mortgage loan

Literally, it is necessary to provide collateral with a certain value, such as housing, car mortgage, or financial collateral, such as certificates of deposit, funds, bonds, etc.

2. Unsecured loans

Also known as credit loans. It only needs to examine personal credit and does not need collateral. Generally speaking, if the personal credit is good and there is a stable source of income to ensure the ability to repay on time, loans can be issued.

Two, according to the types of loans, mainly divided into consumer loans, business loans.

1, consumer loan

There are mainly housing loans, auto loans, real estate mortgage loans, comprehensive consumer loans, and national student loans. Among them, comprehensive consumption includes house decoration, home decoration, tourism and wedding, education and study abroad, and daily small consumption.

2. Operating loans

There are mainly commercial housing loans, commercial vehicle loans and production and operation loans, among which production and operation loans are loans issued to small and micro enterprises or individual industrial and commercial households to meet the capital turnover needs in the process of production and operation.

Three, according to the length of the loan period, can be divided into short-term loans, medium-term loans, long-term loans.

1, short-term loans: loans within 1 year (inclusive);

2. Medium-term loan: 1-5 years (including 5 years) loan;

3. Long-term loans: loans of more than 5 years, with a maximum of 30 years.

The above is about "what are the ways of loan". In fact, there are many ways to subdivide loans. Let me give you an example.