This is basically private lending, including credit consumption loans, provident fund loans, wage loans and policy loans. The most commonly used is credit consumption.

2. What are the types of bank loans?

Now is an era of rapid development of the Internet. People can handle many things with their mobile phones and computers without leaving home. For example, bank loans, such as applying for bank credit cards, buying funds through stock trading, etc. When it comes to bank loans, everyone is interested. Mortgage and car loans are almost hot topics.

It is not surprising that a family is in debt. Even having debt can bring huge benefits to a family. Mortgage and car loan are only temporary. As long as you get through the most difficult period, you will have a good life. There are many kinds of bank loans. Do you know which ones? According to what classification?

1. Classification by loan object.

If bank loans are classified according to loan objects, they are divided into personal loans, corporate loans and so on. Not every enterprise and individual can successfully borrow money from the bank. Take personal loans as an example. Adults who need 18 years old or older have enough financial ability to repay bank loans and are not blacklisted by banks. At the same time, this person's debt should not be too high.

If a person is in high debt, even if his monthly salary is high, it does not mean that his salary is fixed and his job is risk-free. Therefore, when individuals borrow money from banks, banks will consider all aspects comprehensively, and debt is a very important one. Only by meeting these conditions can such individuals successfully apply for bank loans.

Corporate loans also need to submit relevant materials, and banks will look at a company. Balance sheet, income statement, cash flow statement, etc. It depends on the audit report of a company. If it is a fortune 500 enterprise, the audit report of bank loan is essential.

2. according to the length of time.

According to the length of time, bank loans can also be divided into short-term loans, medium-term loans and long-term loans. Among them, short-term loans refer to loans that will be repaid within one year. Medium-term loans refer to loans with a term of more than one year but not more than five years. Long-term loans refer to loans with a term of more than five years. The interest rate to be paid for different loan terms is different. Generally speaking, the longer the loan term, the higher the interest rate may be.

Third, it can also be distinguished by repayment.

There are many ways to repay the loan. Some people choose to repay on demand, some choose to repay regularly, and some choose to overdraw. A demand loan means that when a person borrows a sum of money from a bank, if he can't pay it back in a short time, he can repay it in installments.

The term loan is just the opposite, that is, the one-time principal and interest are all returned to the bank. When it comes to overdraft, people will definitely think of bank cards. It is true that a bank card can be overdrawn by spending first and then repaying, but it is actually a loan method only by returning the overdrawn money on time.

Generally speaking, there are many types of bank loans, and different types of loans can be classified according to different classification standards. For example, according to the different loan objects, it can be divided into personal loans and corporate loans. According to the different repayment methods, it can also be divided into demand loans, term loans and overdrafts. According to the length of the loan period, it can also be divided into three different loan methods.

Third, according to the nature of lending, what are the types of online lending platforms?

There is a loan of 5000 yuan, but for the first time, a person will not put so much. You can come to me if you like. College students ignore sesame seeds.