# Loan types

There will be multiple types of loans which include different pools and parameters. 

* <mark style="color:blue;">**General loan**</mark> type which will include all the pools.&#x20;
* <mark style="color:purple;">**Stablecoin efficiency**</mark> type which will only include stablecoins.
* <mark style="color:green;">**ALGO efficiency**</mark> type which will only include Algo and gALGO.

In the general loan type, USDC has a collateral factor of 80%, whereas in the stablecoin efficiency loan type, USDC has a collateral factor of 90%. The reason this can be done is because the stablecoin efficiency loan type is limited in the different assets that can be borrowed. Since all the other assets are stablecoins as well, the protocol can offer a higher LTV ratio without compromising on safety.