1, personal consumption loans, refers to loans for the purchase of housing, cars for personal use, large consumer durables, home renovation, educational institutions, health care, leisure and tourism, as well as other consumer purposes in line with the bank's requirements.
2. Personal business loans are loans for working capital needed for production and business activities, purchase of commercial premises, re-employment, and other business purposes that meet the bank's requirements.
Second, according to the loan guarantee mode classification
1, personal mortgage loans, refers to the main mortgage guarantee mode of obtaining loans.
2, personal pledge loans, refers to the main pledge security way to get the loan.
3, personal guarantee guarantee loans, refers to the main guarantee guarantee loans.
4, personal credit loans, refers to the borrower did not provide any security measures, only on the basis of personal credit from the bank to obtain loans.
Three, according to the loan mode classification
1, between the customer-type personal loans, refers to the borrower in the bank cooperation special salesman (including real estate developers, car dealers, agricultural machinery and equipment dealers and large shopping malls) to buy goods, in the bank to issue a loan for the purpose of the goods purchased by the cooperative special salesman to provide guarantee guarantee of a loan mode of operation.
2, direct personal loan, direct personal loan is relative to the inter-customer personal loan, refers to the borrower to buy goods at the seller, the bank issued to the purchased goods for the purpose of the loan, without the seller to provide guarantee guarantee, but the bank directly to the borrower to issue the loan of a mode of operation.
Four, according to the source of loan funds classification
1, self-operated loans, that is, the bank in a legal way to raise funds to the borrower to issue loans on their own, the risk is borne by the bank, and the bank is responsible for the recovery of the principal and interest.
2. Entrusted loans, that is, by government departments, enterprises and institutions and individuals and other principals to provide funds, a bank (i.e., the trustee) according to the principal to determine the loan object (only natural persons), the purpose, amount, duration, interest rate, etc. issued on behalf of the bank. The bank supervises the use of the loan and assists in its recovery. The bank only charges a fee and does not bear the risk of the loan. Entrusted loans include personal housing fund loans and other entrusted loans.
V. Classification by loan term
1. Short-term personal loans are those with a loan term of less than one year (inclusive).
2, personal medium-term loans, refers to loans with a loan term of more than 1 year and less than 5 years.
3. Personal long-term loans are loans with a loan term of more than 5 years. Personal medium-term loans and personal long-term loans are collectively referred to as personal medium- and long-term loans.
6, according to whether the loan can be revolving classification
1, personal revolving loans, refers to a certain credit limit and credit period, the borrower can be recycled, borrowing and repayment.
2, personal non-revolving loans, refers to non-revolving, a credit use of the loan, the vast majority of domestic banks personal loans are non-revolving loans.
Legal Basis
Interim Measures for the Administration of Personal Loans
Article 5: Lenders shall establish an effective management mechanism for the entire process of personal loans, formulate a loan management system and operating procedures for each loan type, specify the corresponding loan object and scope, implement differential risk management, and establish an assessment and accountability mechanism for each operational aspect of the loan. It also implements differentiated risk management and establishes assessment and accountability mechanisms for each operational aspect of loans.
Article 6 Lenders shall establish a risk limit management system for personal loans by region, variety, customer group and other dimensions.
Article 7 The use of personal loans shall be in accordance with laws and regulations and relevant state policies, and lenders shall not issue personal loans without designated purposes.
Lenders shall strengthen the management of loan fund disbursement and effectively prevent the risk of personal loan business.
Article 8 The term and interest rate of personal loans shall be in accordance with relevant state regulations.
Article 9 Lenders shall establish a mechanism for controlling the borrower's reasonable income-to-debt repayment ratio, combine the borrower's income, liabilities, expenditures, loan usage, guarantees, etc., to reasonably determine the loan amount and term, and control that the borrower's repayment amount for each installment does not exceed his/her repayment ability.