1. It can be divided into short-term loans, medium-term loans and long-term loans according to different repayment periods;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
1. Bank loan refers to an economic behavior that banks lend funds to people who need funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
2. Moreover, in different countries and different development periods of a country, the types of loans classified by various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of bill discount, credit account and overdraft account.
Now more and more post-80s and post-90s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.
1) Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2) Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds not to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3) Description of loan: Fill in the application materials in detail, such as loan purpose, personal credit record, income source, repayment ability, family income, etc. Make sure that your loan can be repaid on time no matter when, where or how.
4) Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
Types of bank loans
According to different classification standards, there are many types of bank loans:
First, according to the repayment period.
According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
Short-term loans refer to loans with a loan term of less than one year (including one year). Medium-term loans refer to loans with a loan term of more than one year (excluding one year) to less than five years (including five years). Long-term loans refer to loans with a loan term of more than five years (excluding five years).
Second, according to the purpose or object of the loan.
According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.
Three, according to the different loan guarantee conditions
According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
Secured loan refers to secured loan, mortgage loan, and secured loan refers to a loan issued by a third party in the form of guarantee stipulated in the Guarantee Law of People's Republic of China (PRC), which promises the borrower to assume general guarantee liability or joint liability as agreed. Mortgage loan refers to the loan issued with the property of the borrower or a third party as collateral according to the mortgage method stipulated in the Guarantee Law of People's Republic of China (PRC). , refers to the loan issued with the movable property or rights of the borrower or the third party as the pledge according to the provisions of the Guarantee Law of People's Republic of China (PRC). Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.
Four, according to the expected annualized interest rate agreed in different ways.
According to the different ways of agreeing on the expected annualized interest rate, it can be divided into fixed expected annualized interest rate loans and floating expected annualized interest rate loans.
5. According to the nature of loan business.
1. Self-operated loan. Refers to the loan independently issued by the lender with funds raised by legal means, with the risks borne by the lender and the principal and interest recovered by the lender.
2. Entrusted loans. Refers to loans provided by government departments, enterprises, institutions, individuals and other principals, and issued, supervised and recovered by the lender (i.e. the trustee) according to the loan object, purpose, amount, term and expected annualized interest rate determined by the principal. The lender (trustee) only charges the handling fee and does not bear the loan risk.
3. Specific loans. Refers to the loans granted by a wholly state-owned commercial bank with the approval of the State Council and after taking corresponding remedial measures for the losses that may be caused by the loans.
Six, according to the economic nature of the loan subject.
According to the economic nature of the loan subject, it can be divided into state-owned and state-controlled enterprise loans, collective enterprise loans, private enterprise loans and individual industrial and commercial households loans.
In real life, the most commonly used loan classification is classified according to the purpose or object of the loan, that is, industrial and commercial loans, agricultural loans, consumer loans, securities broker loans and so on.
Seven, according to the degree of credit loans.
1. Credit loan. Refers to the loan issued by the borrower's credit.
2. Guaranteed loan. Refers to secured loans, mortgage loans,. Guaranteed loan refers to a loan issued by a third party, which promises that when the borrower fails to repay the loan, the borrower shall bear the general guarantee liability or joint liability as agreed. Mortgage loan refers to a loan that is mortgaged by the property of the borrower or a third party and issued in accordance with the prescribed mortgage method. , refers to the loan issued with the movable property or rights of the borrower or a third party as the pledge according to the agreed pledge method.
3. Bill discount. Refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper.
Eight, according to the loan quality.
1. Normal loan. Refers to the loan that is expected to have normal turnover within the loan term and can be repaid in full and on time.
2. non-performing loans. Non-performing loans include non-performing loans, sluggish loans and overdue loans. Non-performing loans refer to loans classified as non-performing loans according to the relevant provisions of the Ministry of Finance. Sluggish loans refer to loans that are overdue (including due after extension) according to the relevant provisions of the Ministry of Finance and are still returned after the prescribed time limit, or loans that have not been overdue or overdue but whose production and operation have been terminated and projects have been suspended (excluding non-performing loans). Overdue loans refer to loans that are not due (including those due after extension) as agreed in the loan contract (excluding sluggish loans and bad loans).
Nine, according to the international practice (risk) to classify the loan quality.
Bank loans are divided into five grades: normal, concerned, secondary, doubtful and loss. The latter three types of loans are called "non-performing loans" or "problem loans".
How many types of personal housing commercial loans are there?
Personal housing commercial loans mainly include:
1. Housing provident fund loans: Housing provident fund loans are subsidized by policies, and the loan interest rate is not only lower than the loan interest rate of commercial banks in the same period, but also lower than the deposit interest rate of commercial banks in the same period.
2. Personal housing commercial loan: If the housing accumulation fund is not paid, you can apply for a personal housing guarantee loan from a commercial bank, that is, a bank mortgage loan.
3. Individual housing portfolio loans: The maximum amount of provident fund loans that can be issued by the housing provident fund management center is generally1-290,000 yuan. If the purchase price exceeds this limit, the insufficient part shall apply to the bank for commercial housing loans. These two kinds of loans are collectively called portfolio loans.
Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller has an agreement with the loan bank, and the real estate guarantee enterprise provides guarantee to the bank for the residents' house purchase loan.
Extended data:
Materials required for commercial housing loan:
1. Copy of ID card of the loan applicant, spouse * * * borrower and property owner * * * * (temporary residence permit, passport, minor birth certificate or one-child certificate).
2. The loan applicant, spouse and * * * affix the personal seals of the borrower and the owner of the real estate.
3, the loan applicant, spouse, * * * and the borrower, property * * * copy of the household registration book.
4. Proof of the marital status of the lender (marriage certificate for married, single certificate for unmarried and divorce certificate for divorced).
5. Lender's income certificate.
6. One original of the house sales contract.
7. The down payment receipt signed by the seller mentioned in the sales contract.
8. Copy of the property right certificate of the house purchased.