Types of loans depending on the term: Long-term - more than 3 years Medium-term - from 1 to 3 years Short-term - up to 1 year. Types of secured loans: Secured by pledge - with registration of real estate, valuables, and securities as collateral. These include mortgage loans (secured by real estate), car loans, apartment loans, and for the purchase of fixed assets (equipment, transport, production lines). Secured by guarantees - credit lines for enterprises, or commercial loans for business development, are often issued under the guarantees of other legal entities. Other banks, large corporations, and insurance companies can guarantee loan repayment. Under surety - secured by the guarantee of another private or legal entity, who are responsible for paying off the debt. Lenders require a third-party guarantor to issue an unsecured loan to people with unconfirmed income. Blank (without collateral) - unsecured cash loans for individuals. These include credit cards, student loans, and personal consumer loans.