The simple and popular understanding of loan is to borrow 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. For more information, please consult Beijing juduobao network technology co., ltd, thank you!
Second, what does running water loan mean?
Living water loan is a small credit loan based on the settlement amount of small and micro enterprises in Minsheng Bank account, which is issued to qualified individual operators, small and micro enterprises, shareholders or actual controllers in a convenient and simple way. Transfer loans generally require enterprises to operate normally for more than 2 years. The loan amount shall not exceed 30% of the net assets of the borrower's family and 65,438+00% of its annual operating amount. The maximum credit line for a single household is 1 0.5 million yuan, and the longest credit period is1year. Through the streamlined and standardized operation of small and micro loan application, approval, lending and post-loan management, the loan can be released on the same day when the information is complete, which effectively solves the loan demand of small and micro enterprises, and customers do not need others to guarantee or provide collateral as a guarantee.
3. What do you mean by bank loans in the last six months? How much can I borrow from tap water?
Bank loans require that your monthly repayment should not exceed a certain percentage of your salary. It seems to be fifty percent. How much to run the loan, how much the loan is not necessarily. Depends on how long you have borrowed it.
4. What do you mean by the non-white list of Minsheng loans?
Blacklist status.
Non-whitelist refers to users who repeatedly fail to pay back money and illegally cash out in the blacklist of banks. And the blacklist data is kept in the personal credit information system of the central bank for five years, and the negative information such as particularly serious and obviously malicious bankruptcy is kept for ten years.