The loan limit is the highest planned limit for loans issued by banks in socialist countries with planned economy. Quota management is an important part of credit management in socialist countries. The loan limit issued after the national comprehensive credit plan is unified and balanced is mandatory and may not be changed without the consent of the superior bank.
According to different classification standards, there are different types.
(1) According to the nature and purpose of the loan, it can be divided into turnover index and one-off index. Turnover index refers to the index that only controls the loan balance and can continue to be issued after the loan is recovered. One-time indicator refers to the indicator used to control the loan amount, which is only issued once and cannot be used for turnover after recovery.
(2) According to the control time of indicators, it can be divided into medium-term indicators and final indicators. Medium-term loan index is used for temporary turnover adjustment during the implementation of the plan, which is valid in the medium term and invalid at the end of the period. The end-of-term indicator refers to the point-in-time indicator at the end of the plan, and it shall not be broken without approval.
(3) According to its role in plan management, it can be divided into temporary loan turnover indicators; It is necessary to configure maneuvering indicators to meet the urgent need for standby indicators. The loan index is determined according to the source of bank credit funds in a country and the country's fiscal and financial policies, loan principles and industrial policies. China's loan quota management is based on the principles of socialist commodity economy and the experience of the Soviet Union. With the reform of China's economic operation mechanism and economic management mechanism, China will gradually narrow the scope of loan quota management, but it will never cancel the loan quota. It means that the central bank uses mandatory plans to limit the total amount or maximum amount of loans of national banks in one year. China began to manage the loan line from 1985. Loan quota management is still an important tool for China's central bank to control the total credit scale and regulate the money supply.
The loan limit refers to the management means that the central bank uses mandatory plans to limit the total amount or maximum amount of loans of national banks in one year. There are two ways: the maximum loan limit of the central bank to financial institutions and the loan limit of the central bank. The maximum amount of loans to financial institutions is the total "cage" for controlling loans. The central bank's loan limit is the general name for the people's bank of China to finance commercial banks and non-bank financial institutions with the function of "lender of last resort", and it is the decisive factor of the total credit scale in China.
Interpretation of loan limit
Hello, the loan amount is evaluated according to your comprehensive credit situation. Everyone's credit situation is different, and the amount obtained is different. The common quota on the market is basically between 5 million and 300,000. However, in addition to checking the amount of loans, it is mainly necessary to choose a formal platform to ensure the safety of funds and information.
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I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application.
Information requirements: You need to provide your second-generation ID card and your debit card during the application process.
Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.
What is the loan amount?
The loan amount refers to the loan amount provided by the bank to the borrower in the form of money. Unless otherwise specified by the People's Bank of China, China Banking Regulatory Commission or other relevant departments of the state, the personal loan amount can be determined according to the amount of mortgage guarantee, pledge guarantee and guarantee guarantee provided by the value of the property purchased by the applicant, as well as the credit standing. According to the document of Guofa [20 10] 10, the first self-occupied house with a construction area of 90 square meters was purchased.
For the above-mentioned families (including borrowers, spouses and minor children), the down payment ratio of loans shall not be less than 30%; For families who borrow money to buy a second home, the down payment ratio of the loan shall not be less than 50%, and the loan interest rate shall not be less than 1. 1 times of the benchmark interest rate; For the purchase of the third and above houses with loans, the down payment ratio and loan interest rate shall be substantially increased, which shall be determined independently by commercial banks according to the principle of risk management. The People's Bank of China and the China Banking Regulatory Commission should guide and supervise commercial banks to strictly manage housing consumption loans.
Lenders should establish a personal loan risk limit management system according to the dimensions of region, variety and customer base. Risk limit refers to the total risk control limit set by banking financial institutions according to the external business environment, overall development strategy and risk management level, aiming at specific regions, industries, loan varieties and customers, in order to reflect the risks of the entire institutional portfolio, which is the maximum limit of the risks they are willing to bear in specific fields.
Global Ivy Friendship Tip: The above is [What is the loan amount? ] the answer to the question, I hope it will help everyone!
What does the bank loan amount mean?
What does the bank loan amount mean?
The loan limit refers to a management method that the central bank uses mandatory plans to limit the total or maximum loan amount of national banks in one year. China began to manage the loan line from 1985. Loan quota management is still an important tool for China's central bank to control the total credit scale and adjust the money supply.
The loan limit refers to the management means that the central bank uses mandatory plans to limit the total amount or maximum amount of loans of national banks in one year. There are two ways: the maximum loan limit of the central bank to financial institutions and the loan limit of the central bank. The maximum amount of loans to financial institutions is the total "cage" for controlling loans. The central bank's loan limit is the general name for the people's bank of China to finance commercial banks and non-bank financial institutions with the function of "lender of last resort", and it is the decisive factor of the total credit scale in China.
What does it mean to increase the amount of bank loans?
You can mortgage the house directly.
What does the idle loan line mean?
Idle loan line means that the financial institution gives the loan line, but the borrower is useless, that is, the bank gives the line space, and the customer is useless and idle. This idle line did not bring income to the bank, but occupied the cost.
What does it mean that the bank loan line is valid for 3 years?
That is, you have to pay it back within three years, or you will deduct the mortgage if you don't pay it back.
What is the bank loan amount?
Is the number of loans that can be applied to the bank.
The amount of bank loan is generally determined according to the applicant's financial situation and credit situation, and there are many reference factors, such as the nature of the customer's work, education, income, personal stability, personal social credit and the use of other financial products.
Conditions for applying for bank loan business:
1, 18 to 65 years old natural person;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information, no bad records, and legal use of the loan;
5. Meet other conditions stipulated by the bank.
If you meet the above conditions, you can apply for a loan business at a local bank.
To apply for a bank loan, you need to prepare materials:
1, valid ID;
2. Proof of permanent residence or valid residence, and proof of fixed residence;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Loan use plan or statement;
8. Other information required by the bank.
20 18 how much is the bank loan?
If there is China Merchants Bank in your city, you can try to apply for a loan through China Merchants Bank. Information such as the execution interest rate, amount, loan term and repayment method of your specific loan application need to be determined after the handling bank specifically examines your comprehensive information after you apply for a loan.
Please dial 95555 to choose 3 people to serve -3-3-8 to enter the manual service to provide loan purpose and city details.
What is the loan amount of Langfang Bank?
The loan amount needs to be determined according to the lender's purpose, repayment ability and repayment reputation. It is suggested that the specific bank loan amount shall prevail.
What are the bank loan rules? How to calculate the loan amount
If you have our bank in your city, you can try to apply for personal mortgage loan through our bank (generally using real estate as collateral). The required conditions, application materials and handling procedures of each loan project are different. For details, please call the customer service hotline or contact the personal loan department of the outlet. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.
"Mortgage rate" is as follows: 1. With "commodity housing" as collateral, the maximum loan/credit line shall not exceed 70% of the present value of real estate appraisal; 2. If the "commercial house" is used as collateral, the maximum loan/credit line shall not exceed 60% of the net value of the real estate appraisal or 50% of the present value of the appraisal; 3. The credit line of the loan shall not exceed 50% of the transaction price of the purchased commercial house and 55% of the transaction price of the purchased commercial and residential dual-use house. Your specific loanable amount needs to be determined after comprehensive approval by outlets. Please contact the handling bank directly for confirmation.
What does it mean that the agricultural bank's quota expires?
The expiration date of the agricultural bank's quota refers to the validity period of this loan quota, and then re-apply after the validity period.
1. RMB time deposit certificate, including lump-sum deposit and withdrawal, deposit and interest withdrawal, large negotiable deposit certificate (registered), etc.
2. Voucher bonds: bonds issued by the Ministry of Finance after 1999 (inclusive).
3. Insurance policy: a life insurance policy with cash value and realizable at any time (except unsecured investment-linked insurance) with an insurance company that has established business cooperation with a bank as the insurer.
4. Gold: including physical gold and recorded gold. Physical gold includes physical gold (gold purity is above 99.95%) bought and sold by banks or agents, and physical gold (gold purity is above 99%) sold by non-banks; Book-entry gold pledge is currently limited to the book-entry gold business opened by our bank.
5. Other rights certificates that can be pledged as stipulated by the Agricultural Bank.
Interpretation of credit line terms
The credit line is the highest loan limit stipulated in the agreement signed between the borrowing enterprise and the bank, and the validity period of the credit line is usually 1 year. Under normal circumstances, within the credit line, enterprises can withdraw loans at any time as needed. However, banks are not obliged to issue loans. If the reputation of the enterprise deteriorates, even within the credit limit, the enterprise may not get the loan. At this time, the bank will not bear legal responsibility.
Under normal circumstances, within the credit line, enterprises can withdraw loans at any time as needed. However, banks are not obliged to issue loans. If the reputation of the enterprise deteriorates, even within the credit limit, the enterprise may not get the loan. At this time, the bank will not bear legal responsibility.
Microfinance
I. Review risks
The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.
(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.
(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.
(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.
Second, the legal content of the pre-loan investigation
(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.
(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.
(3) Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;
(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.
What does the provident fund loan limit usually mean?
Provident fund loan amount refers to the maximum loan amount that an individual can apply for when using provident fund loans. The loan amount of the provident fund will be different according to the lender's situation, and will be determined according to the lender's repayment ability, the proportion of the house price, the balance of the housing provident fund account and the maximum loan amount.
What are the factors of provident fund loan amount?
1, affected by the housing provident fund loan policy.
There is a maximum amount limit for provident fund loans, and the amount of housing provident fund loans in different cities and regions is different. Individual applications and family applications for housing provident fund loans can get different quotas. The amount of provident fund loans available for the purchase of the first suite and second-hand houses is also different.
2. Affected by the down payment ratio.
Different regions have different requirements for down payment ratio. Usually, the down payment ratio of the first suite will be between 20% and 30%, and the second suite is usually above 30%. The down payment requirement can also directly affect how much mortgage amount you can get.
3. Affected by the area of purchased houses.
Different housing areas have different down payment ratios. Therefore, because of the influence of housing area and down payment ratio; The loan amount that provident fund loan applicants can get will also be affected.
4. Affected by the balance of the provident fund account.
The general provident fund loan amount is calculated by multiplying the balance of the provident fund account by a certain multiple. Therefore, the less the balance of your provident fund account, the less the amount of provident fund loans you can get.
5. Affected by the deposit base.
Some cities stipulate that the total monthly principal and interest of mortgage loans should be less than or equal to 50% of the deposit base (calculated by equal principal and interest). Therefore, the higher the deposit base, the higher the amount of provident fund loans that can be obtained.
6. Affected by the deposit time.
The loan amount of housing provident fund in some cities is calculated according to the loan amount = the balance of provident fund deposit of the borrower (or husband and wife) x a certain multiple x the time coefficient of deposit. Therefore, the greater the deposit time coefficient, the higher the amount of provident fund loans that applicants can obtain.
So much for the introduction of the loan amount.