In addition to bank loans, other forms of loans are as follows:

1. Loan company

A loan company refers to a loan company approved by the China Banking Regulatory Commission in accordance with relevant laws and regulations. With the approval of regulations, banking non-depository financial institutions are established in rural areas by domestic commercial banks or rural cooperative banks to specifically provide loan services to farmers, agriculture and rural economic development in counties. A loan company is a limited liability company fully funded by a domestic commercial bank or a rural cooperative bank.

2. Provident fund loan

Refers to personal housing provident loan, which is the housing provident fund management center in various places. It uses the housing provident fund paid by employees who apply for provident fund loans to entrust commercial banks to purchase, House mortgage loans are issued to housing provident fund depositors who build, renovate, and overhaul self-occupied houses and retired employees who have paid housing provident funds during their employment. Employees who have paid housing provident funds for a certain period of time or more according to regulations (the period in each city is different, such as more than 12 months in Changsha) can apply for provident fund loans when they have insufficient funds to purchase, build, renovate, or overhaul their own housing.

3. Credit card loan

Refers to the bank granting a certain amount of credit based on the credit status of the credit card holder, and the card holder can use the credit card to make purchases. Credit card loan repayment methods are divided into two methods: one-time principal repayment and installment repayment.