Question 2: What does the word "hui" mean when you borrow money? Loan feasibility meeting, also known as pre-loan review meeting. It means to hold a small meeting in Yingeng, during which we will discuss loan matters, including risks and interest rates, as well as the operation, mortgage and return of the enterprise.
Question 3: In loans, banks will require capital. What does this cost mean? Inter-bank loan review meeting
Question 4: What will you do when you get a loan? 50 points to buy a house and a car. Business, business cash flow, marriage, decoration, study, vacation, and so on.
Question 5: What will happen to the loan? How did you get a loan? If it is a mortgage, the bank will deal with the collateral; If it is a guarantee, the bank will look for you and the guarantor! If the judgment is invalid, the court will detain you 15 days during the execution, and you can be detained twice in a row.
Question 6: What does accounting lending mean? Accounting refers to an accounting direction, such as buying a pen in cash. The decrease in cash was credited. The increase in the cost of buying pens was debited.
Question 7: I don't want to borrow any more money from the bank. What will happen? I'll return it right away. The interest depends on your contract.
Question 8: What should I do if the loan is not paid? Mortgage loan 1. Collateral: the house owned by the borrower or a third party, with the Property Ownership Certificate.
2. Mortgage loan process:
(1) Go to the district/county real estate bureau where the property right house is located with the property right certificate and ask whether it is possible to register the property right mortgage;
(2) If you get a clear answer, you can apply for a mortgage loan from CCB's personal comprehensive consumer loan institution with the Property Certificate and relevant personal data;
(3) CCB entrusts a real estate appraisal agency to appraise the self-owned property provided by the applicant, submits a real estate appraisal report, and charges a handling fee of 3‰ of the appraised value;
(4) CCB assists the applicant to handle the formalities of real estate insurance and the corresponding loan approval procedures, and the maximum loan amount does not exceed 70% of the assessed value, and approves the issuance of loan contracts and mortgage contracts;
(5) The borrower shall go through the mortgage registration formalities with the real estate license and loan contract at the county real estate bureau where the real estate is located, and the agency expenses shall be borne by the borrower;
(6) After the mortgage registration is completed, CCB can release the loan to the borrower's personal savings account.
Two. hypothecated loan
1. Pledged property: the right certificate legally held by the borrower or a third party, including:
(1) securities. Including financial bonds issued by Beijing Branch, AAA corporate bonds and * * * bonds (except those that are not pledged according to laws and regulations);
(2) Certificate bonds issued by Beijing Branch (issued after 1999);
(3) Personal time deposit certificates in local and foreign currencies and time all-in-one passbook issued by Beijing Branch;
(4) Other legal and valid power certificates recognized by Beijing Branch.
2. Pledge process:
(1) Apply for a pledge loan from an individual comprehensive consumer loan institution with the certificate of rights;
(2) Verify the pledge right certificate and register the eligible pledge;
(3) CCB receives the pledge right certificate, goes through the loan examination and approval procedures, and the maximum loan amount does not exceed 90% of the face value of the pledge right certificate, and signs a loan contract and a pledge contract with the applicant who approves the loan;
(4) CCB issues loans to the borrower's personal savings account.
Third, portfolio loans.
The borrower can apply for the same personal comprehensive consumption loan with the mortgage or pledge right certificate, and the loan amount is accumulated according to the loan amount allowed by the two guarantee methods. The loan process is the same as above.
Fourth, credit loans.
1. The borrower applies for a personal comprehensive consumption loan with his own credit, and CCB determines the loan amount according to the borrower's credit status, with a maximum of 600,000 yuan.
2, the information provided by the loan applicant (the following information can be);
(1) My valid ID card, household registration book and military officer's card.
(2) Credit investigation letter issued by the unit, including professional nature and employee stability.
(3) Personal comprehensive monthly income certificate.
(4) Personal work permit and representative salary record or salary list.
(5) academic certificate and professional title certificate.
(6) Proof of housing conditions such as real estate license or house lease contract.
(7) Marital status and children.
(8) recent bills of water, electricity, gas and telephone bills or certificates from neighborhood committees.
(9) Business transaction vouchers such as personal loans related to CCB.
(10) personal dragon card and semi-annual statement.
(1 1) Proof of other financial assets (such as stock delivery notes, savings, personal insurance, funds, national debt, etc.). )
(12) Other materials required by customers.
3. The account manager determines the loan amount and term according to the borrower's credit rating, goes through the loan examination and approval procedures, and signs a loan contract with the applicant who approves the loan.
4. CCB issues loans to the borrower's personal savings account.
Can prepayment save interest expenses?
Whether repaying the loan in advance can save interest expenses depends on how many days in advance. Because the annual interest rate of the bank is calculated on the basis of 360 days, but there are 365 days in a year. Therefore, for a loan with a term of 1, if the loan is repaid in advance, the actual days of the loan will be reduced by 360 days, which can save interest expenses; However, if the actual number of days of the loan exceeds 360 days, you will be unfairly overpaid ... >>
Question 9: What does the unpaid notice mean? A document like this will sign the IOU. You bought a new three-year bond today. When you just bought it, the repayment period was 3 years. After one year, the repayment period was changed to two years. In another year, the repayment period will become 1 year. In other words, maturity refers to the remaining maturity date of a bond.
Question 10: What does it mean that the loan on Taobao is temporarily unqualified? Your running water is too small to meet the loan conditions.