1, the so-called credit loans, most people use credit loans to borrow small amounts of money, the most common way to apply for small loans is to use their own credit records, but the amount of such loans is generally not very high. Although this loan procedure is very simple and convenient, its loan interest rate is much higher than that of ordinary loans, and the requirements for personal credit level are also relatively high. Therefore, friends who want to borrow money and have confidence in their credit records can consider this form if they can accept higher interest rates as much as possible.
2. Mortgage loan, as the name implies, is to use your own real estate and other things as collateral to obtain the same amount or loan from the bank. However, in the case of mortgage loan, the amount of the loan application generally cannot exceed 75% of the assessed value of the collateral, and the loan period is within 10 years in most cases, except in special circumstances. The mortgaged items can be real estate or chattel and many other things. Real estate includes houses, land and jewelry, while movable property includes stocks, bonds, jewelry and funds.
3. Pledged loans, such as bank deposit certificates and insurance policies. The general application amount is 75% of the pledged amount, and the pledge limit of national debt can be 85% of the face value of bonds, and the pledge limit of national debt can be 75% of the face value of bonds. The loan amount pledged by the policy cannot exceed 75% of the present value of the policy.
4. Guaranteed loan means that if the applicant has no mortgage or pledge and has no stable job, it is recommended to consider looking for an individual or company with stable income and strong financial strength as a guarantor and apply for a secured loan. But in this case, you must repay on time, otherwise it will affect the company that guarantees you, that is, your guarantor.
Ju 'nan Rural Commercial Bank actively implemented the requirements of Linyi Audit Center for online business and adopted various measures to promote the steady development of online customer marketing. As of February 28th, there were 8,775 new bank card bound payment customers compared with the beginning of the activity, with a year-on-year increase of10.46%; 1454 1 added Zhitong personal e-banking customers, with a year-on-year increase of 14.79%, ranking first in the city; The number of young and effective customers of intelligent e-banking increased by 4,589, with an increase of 25. 14%, ranking second in the city.