Before applying for a loan, many people are used to understanding the "loan-related" before acting. For example, what kinds of loans are there, just like a driver wants to know the steering principle of the steering wheel and tires, and then make judgments and choices after being clear. In fact, there are many ways to borrow money. Let's take a look at them together.
A, according to whether there is a mortgage, can be divided into mortgage loans,
1, mortgage loan
Literally, it is necessary to provide collateral with a certain value, such as housing, car mortgage, or financial collateral, such as certificates of deposit, funds, bonds, etc.
2、
Also known as credit loans. It only needs to examine personal credit and does not need collateral. Generally speaking, if the personal credit is good and there is a stable source of income to ensure the ability to repay on time, loans can be issued.
Two, according to the types of loans, mainly divided into consumer loans, business loans.
1, consumer loan
There are mainly housing loans, auto loans, real estate mortgage loans, comprehensive consumer loans, and national student loans. Among them, comprehensive consumption includes house decoration, home decoration, tourism and wedding, education and study abroad, and daily small consumption.
2. Operating loans
There are mainly commercial housing loans, commercial vehicle loans and production and operation loans, among which production and operation loans are loans issued to small and micro enterprises or individual industrial and commercial households to meet the needs of production and operation.
Three, according to the length of the loan period, can be divided into short-term loans, medium-term loans, long-term loans.
1, short-term loans: loans within 1 year (inclusive);
2. Medium-term loan: 1-5 years (including 5 years) loan;
3. Long-term loans: loans of more than 5 years, with a maximum of 30 years.
The above is about "what are the ways of loan". In fact, there are many ways to subdivide loans. Let me give you an example.
There are several kinds of personal loans.
There are five kinds of personal loans:
1, personal consumption loan.
2. Personal credit loan.
3. Personal housing loan.
4. individuals.
5. Credit card overdraft consumption.
Personal loans also need to meet certain conditions, such as full capacity for civil conduct, legal use of loans, and good credit of borrowers.
Extended data:
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
principle
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation.
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest.
Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
What are the personal loans of banks? There are several types!
Before going to the bank to apply for a loan, it is recommended to know about the bank's loan products, because each different product is suitable for a certain type of people and meets their own conditions and needs, which can improve the success rate of applying for a loan. What are the personal loans of banks? It is suggested to go directly to the bank outlets to consult the staff, and you will get a more exact answer. This is just a brief introduction.
1, mortgage loan
For most people, mortgage refers to real estate mortgage, which can be a house or a shop. However, any loan application that can provide collateral has the highest probability of success. In general, the mortgage rate of houses is 70% of the appraised price, and the mortgage rate of shops is 60% or 50% of the appraised price.
2、
Mainly the pledge of rights, more is the pledge of certificates of deposit and the pledge of wealth management products; Innovations include store lease pledge and trademark pledge. Judging from the proportion of loans, there are fewer personal loans in this way of guarantee.
3. Guaranteed loan
Personal loans are rarely guaranteed, and most of them are loans from farmers or business districts, which is a special loan method.
4. Credit loan
You don't need additional mortgage guarantee, but apply with personal qualifications and credit. The threshold is a bit high, because it is not a special group that cannot apply at all; The threshold is not particularly high, because qualified people do not need any other requirements at all. For example, some banks can apply for provident fund loans as long as they pay the provident fund, and there are also loans for special groups, such as financial industry, tobacco and electricity, civil servants and other groups, all of which have certain credit loans.
What kinds of personal loans are there? You will know after reading it!
Nowadays, there are many borrowers, mainly due to social pressure, and they often face the problem of lack of money. Compared with borrowing from relatives and friends, loan is a convenient and quick way. What kinds of personal loans are there? In fact, according to different situations, it can be divided into different types. Today we will briefly introduce the relevant content. If you don't know, you can have a look.
1, depending on individual credit purposes.
It can be divided into personal housing loans, car loans, study abroad loans, student loans, personal consumption loans, personal business loans, decoration loans, marriage loans and so on. When you go to a bank financial institution for a loan, you can inform the bank of your loan purpose, and the staff will provide you with suitable products according to the situation.
2, according to the different ways of personal credit guarantee.
It can be divided into credit loans and secured loans, and the latter includes secured loans and mortgage loans. Different loans need to provide different assets, such as houses, cars, insurance policies, certificates of deposit and so on.
3. According to different repayment methods of personal credit.
It can be divided into installment loans and one-time loans. The former includes average capital, equal principal and interest, installment principal, equal increasing principal, equal decreasing principal and combined repayment.
4, according to the different personal credit period.
It can be divided into short-term loans and long-term loans. Short-term loans are within 1 year (inclusive), and medium-term loans are within 1 to 5 years (inclusive); Long-term loans are generally more than 5 years, mostly 20 to 30 years.
There are many kinds of loans, so you must carefully consider before lending and choose the product that suits you best.
This is the end of the introduction about how many people have loans and how many people have loans. I wonder if you have found the information you need?