1. Personal loan: Personal loan is a common loan method, and you can get funds by applying for loans from banks, credit cooperatives or other financial institutions. Personal identification, proof of income and other relevant materials are usually required.
2. mortgage loan: mortgage loan refers to applying for loans from banks or other financial institutions with valuable assets such as personal property and vehicles as collateral. During the repayment period, if the loan cannot be repaid on time, the collateral may be recovered.
3. secured loan: secured loan means that the borrower finds a guarantor, and the guarantor provides a guarantee for the borrower and applies for a loan from a bank or other financial institution. Guarantors need to have certain credit and repayment ability.
4. Microfinance: Microfinance refers to small loans provided to individuals or small and micro enterprises, usually with small amount and simple procedures. You can apply for small loans through banks, credit cooperatives, internet financial platforms, etc.
It should be noted that loans need to be evaluated according to personal credit status, income and loan purpose, and the specific loan conditions and interest rates may be different. When choosing loan methods and institutions, it is recommended to carefully compare different options and ensure that you have the ability to repay on time.
if the online loan itself is non-compliant, such overdue online loans will not have much impact on personal credit status. However, your online loan record will be kept in the online loan big data. You can check your online loan history through "Puxincha", including overdue details of online loans, debts, untrustworthy information, and whether it has been blacklisted.