1. Credit loans

Credit loans are the most popular loan methods at present, and borrowers only need to provide ID cards, work certificates, income certificates, loan purposes and other certificates, and they can get loans if their personal credit status is good.

2. Mortgage loan

Mortgage loan often has a low loan interest rate, which makes it less stressful for the borrower to repay the loan, and can mortgage houses and vehicles.

3. Entrepreneurship loan

Now the state has support policies for entrepreneurship. Common loans include loan subsidies and interest-free loans.

4. Personal business loans

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

5. Student loans

There are four main forms of student loans, namely, national student loans, credit student loans from students' places of origin, interest-free loans from 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 them in installments after graduation.

Common types of bank loans

Like us, we usually go to the bank to apply for loans, mainly for credit loans, mortgage loans, mortgage commercial loans, provident fund loans, secured loans, policy loans and so on.

Among them, credit loan refers to a loan issued by the borrower with the credit of the borrower without providing guarantee;

mortgage loan is a kind of loan that the borrower provides certain collateral as the guarantee of the loan to ensure the repayment of the loan when it is due;

Mortgage commercial loan is a kind of loan by way of mortgage, which generally refers to housing mortgage loan, that is, a loan in which the purchased house is mortgaged and the developer provides phased guarantee;

provident fund loans are loans that employees who have paid housing provident fund can enjoy;

a secured loan is a loan granted on the condition that a third party provides a corresponding guarantee for the borrower;

Policy loans are loans granted with the cash value of life insurance policies as the guarantee.