To sum up, there are mainly the following types: 1, classified by loan term. 2. Classification by loan interest rate. 3. Classification by loan currency and preference. 4. Classification by loan repayment method. 5. Classification by loan source and nature.

Legal basis:

General principles of loans

Twenty-fifth loan application borrowers need loans, should directly apply to the host bank or other banking institutions. The borrower shall fill in the loan application, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information:

1. Basic information of the borrower and guarantor;

Two, the financial department or accounting (audit) firm approved the last year's financial report, as well as the previous financial report to apply for loans;

Three, the original unreasonable occupation of loans to correct the situation;

4. List of collateral and pledge, as well as the certificate that the person who has the right to dispose of the collateral and pledge agrees to guarantee, and the relevant documents that the guarantor agrees to guarantee intention;

Verb (abbreviation of verb) project proposal and feasibility report;

Other relevant information deemed necessary by the lender.

Twenty-sixth borrowers credit rating evaluation:

The borrower's credit rating should be evaluated according to factors such as the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department.