Bank loans in accordance with the time limit, there is no collateral and use and different kinds, in particular to:

 1. the form of bank loans, can be divided into three kinds of payment, discount and overdraft:

The loan is the bank to buy customer claims to money, stage or maturity collect the principal and interest of financing.

Discount interest discount bank in advance, purchased under the expiration date of the banker's acceptance notes, and keep the borrower recourse bill financing way.

Overdraft is the bank to the borrower in the cheque account no deposits or deposits of insufficiency, in the agreed period and limit for expenditure financing.

 2Bank payment term, can be divided into demand payment with the regular payment of two kinds of:

Demand loan does not make an appointment, but by the bank within the agreed time before the expiry of the notice, or by customers to freely choose repayment date. Term loan is agreed in advance repayment period. Term loan can be divided into short-term loans (for a year), medium term loan (for a year, not more than seven years), long-term loans (for more than seven years) three.

 3In for a loan borrowers have no provision of mortgage products, divided into the secured and unsecured loan payment:

Secured loans is the borrower to provide guarantees for bank loans, if the borrower fails to fulfill the obligations, the bank to ensure that debt, sell collateral or recourse to guarantee. And can be used as collateral for loans, including real estate or real estate mortgage, pledge, and real estate or interest arising from transactions, credit guarantee institutions guarantee of bills, and the Limited by Share Ltd in accordance with the provisions of the written commitment.

Unsecured loans are to cherish the borrower or guarantor credit as a guarantee, not the other collateral financing, generally known as credit loans. The bank in order to prevent the occurrence of borrowers unable to settle the debt once, without any protection, banks often to the request of the higher interest rate of loan, or through additional insurance mode of credit insurance, and these risks will be transferred to the insurance company.

 4Bank payment according to use for commercial or turnover loan, capital loan, securities lending, real estate loans, and consumer loans.

Consumer loans and the use of real property to the bank with pledge for financing loans, also known as the type of housing finance and so on, have recently become more popular in foreign banks