Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
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.
College students' entrepreneurial loan
It is an unsecured and unsecured credit loan for college students (undergraduates, graduate students, doctoral students, etc.). ) issued by banks and other fund issuers. In order to support college students' entrepreneurship
loan on mortgage/security
Mortgage loan refers to a loan business conducted by mortgage. For example, housing mortgage loan is the stage when buyers use the purchased house as collateral and provide it by real estate enterprises.
Mortgage loan/securities loan
Mortgage loan, also known as "mortgage loan". Refers to a loan method adopted by some national banks. The borrower is required to provide a certain amount of collateral as a guarantee for the loan to ensure the arrival of the loan.
Read more
quick
navigate by water/air
Microfinance
interest
Repayment method
interest rate
Common sense of interest calculation
target
kind
skill
form
meaning
General rule
audit
danger
Anti-cheating
Avoid (risks)
accounting treatment
titular
Five categories
serious
Second hand mortgage loan
Loan process
Matters needing attention
Skills of getting a loan
statistical data
Loan type
According to the loan term, it is divided into:
Medium-and long-term loans-the loan term is more than 5 years.
Medium-term loan-the loan term is greater than 1 year and less than 5 years.
Short-term loan-the loan term is within 1 year.
Overdraft-a loan with no fixed term
By currency:
Local currency loan
Foreign currency loan
According to the nature of the lender, it is divided into:
Bank loan (self-operated loan)
Consortium lending
Entrusted loan (provident fund loan is a typical entrusted loan)
Specific loan
According to the nature of the loan subject, it is divided into:
Economic organization loan
Enterprise unit loan
Public institution loan
personal loan
According to the purpose of the loan, it is divided into:
Enterprise (economic organization) category
Fixed assets investment loan
Project financing loan
General fixed assets loan
liquidity loans
Lay the foundation for working capital loans
Temporary working capital revolving loan
bill discounting
Individual human
Personal commercial loan
Personal consumption loan
Housing mortgage loan (commonly known as mortgage)
Primary housing loan
Second hand housing loan
Increase in housing loans
Financial mortgage loan
housing loans
Commercial housing mortgage loans (some banks classify such loans as operating loans)
Primary housing loan
Second hand housing loan
Auto loans (including self-use cars and commercial vehicles, some banks classify commercial vehicle loans as operating loans)
Used car (car loan)
Used car (original car financing loan)
Locomotive-related loans
Locomotive financing (also known as locomotive loan, locomotive loan and increase of locomotive loan)
Car installment loan (also known as car installment loan, car loan, motorcycle installment loan or motorcycle installment loan)
Student loan
Other consumer loans
Decoration loan
Tourism loan
Durable consumer goods loan
other
Personal pledge loan
Divided by interest rate:
Fixed rate loan
floating rate loan
Mixed interest rate loan