1. Personal housing loan: this loan is the main part of China's personal loan business, including personal housing loan and personal second-hand housing loan, in which personal housing loan is mainly for buyers to buy commercial housing or second-hand housing, and personal second-hand housing loan is mainly for second-hand housing transactions, supporting buyers to buy houses mortgaged by others.
2. Personal consumption loan: This kind of loan is mainly aimed at personal consumption demand and is an integral part of China's personal loan business, including personal car loan, personal education loan, personal durable consumer goods loan, personal tourism consumption loan and personal medical loan. For example, personal car loans are mainly for car buyers to buy cars or used cars, while personal education loans are mainly for students to pay tuition and living expenses.
3. Personal business loans: These loans are mainly used for personal production and business activities, and are an integral part of personal loan businesses such as self-employed loans and small and micro enterprise loans in China. Need to provide business plans, financial statements and other materials to prove the borrower's operating ability and repayment ability.