Thank you for your recommendation. The bank's loan policy will not change overnight, and it is still difficult to borrow. It is also true that unsecured loans are fast. These are basically two products.
The reason why people thought it was difficult for banks to lend money before. That's because in the early years, banks didn't have unsecured credit loans at all, only products such as housing mortgage loans, mortgage loans and commercial loans.
Property buyers with good mortgage, low entry threshold, simple materials and good credit information can apply if they meet the conditions.
For mortgage loans and corporate loans, because the initial amount of loans is one million yuan, the entry threshold is relatively high, and the materials are complex, many customers are turned away, and some even have to spend money, so rumors that bank loans are difficult to do slowly appear in the market.
Unsecured credit loan is a loan product developed by banks for high-quality customers in recent years. The materials are simple, one ID card is enough, and the loan can be released as soon as the same day. The loan amount is low and the risk is relatively controllable, which is what we often call credit staging.
Credit installment seems to be a favorable interest rate in publicity, generally only 4% a year, but this kind of loan has to repay the principal and interest every month, and the actual annualized interest rate has reached about 7%.
How can banks not vigorously promote this product with high returns and low risks? Therefore, many customers will receive phone calls or SMS marketing from banks, giving customers the illusion that bank loans are very simple and convenient now.
Therefore, the bank has not changed much in the loan policy, and still insists on profit-seeking and risk control, but different products actually have different credit policies, which cannot be confused.
I hope I can answer your question!
Why are there more phone calls for bank loans during the Chinese New Year, and now it seems that there are more and more unsecured drugs for bank loans?
There are actually two reasons for this problem.
Reason 1. Affected by the epidemic, the national economic development has been seriously affected. In order to restore economic development, the state must increase the market and give financial support, that is, put funds into the market. Then from 2020 to 20021year, the state invested10.5 trillion yuan to restore economic development. Which is what we call inclusive finance. Then the main purpose and target of this money is small and medium-sized enterprises and personal market.
The Bank of China has set a target for banks, and the growth rate in inclusive finance is 30%, which means that under the pressure of this task, banks must change their working attitude. Your good loan must be mortgaged, or you must have the relevant running water of the enterprise to borrow. Now that we have a policy, we must implement it accordingly.
The second point. Adjustment of bank capital ratio. We all know that at the beginning of the year, the state set a credit ratio for the banking industry. That is, the two red lines of the banking industry. In the past, most of the bank's funds flowed to real estate. Because the relative amount of real estate loans is relatively large, the cycle is relatively long, it is easier to make profits and the risk coefficient is low, so it is also the main business direction of banks. The real estate industry occupies a lot of money, and the bank's loan funds are scarce, so the bank's loan task is actually easy to complete.
With the introduction of two national red lines for banks, the proportion of real estate loans of major banks and small and medium-sized banks in China has seriously exceeded the standard. Then in the future, banks must invest in real estate credit and other types of current proportions. Therefore, when real estate loans are restricted, the bank's loan funds must be transferred to a new direction. On the one hand, the amount of real estate loans will decrease, on the other hand, the amount of inclusive finance will increase.
Because of the money we put in the bank, the bank must find a place for him. How can we make a profit? Loans must be an important source of funds for bank profits. Therefore, when funds flow out of real estate loans, inclusive finance will inevitably invest a larger proportion. Only in this way can the proportion of real estate loans and other loans of banks reach the national standard.
Therefore, driven by these two aspects, bank loans will shift from the past mainstream to real estate and inclusive finance, so the related credit tasks of banks will inevitably increase, so we received many banks on 20021. Personal mortgage-free loans are relatively clear.
Whether investing or lending, we must understand the relevant policies of the state. The macro-policy of the country is the baton, and the future development direction of the market can also be seen through the national policy.
Therefore, in the next five years, the proportion of state loans to small and medium-sized enterprises will gradually increase, that is, from real estate funds to supporting the development of entity enterprises, which is an inevitable result.
Only by making the manufacturing service industry rise rapidly can China's economy recover rapidly and get rid of the pressure of international competition.
So at present, financial loans will not be exempted, and mortgage loans will become easier and easier. This is the real reason.
Routine, not many people borrow money now, and the credit information they want to borrow has been hacked by financial institutions.
Here comes the man who sent charcoal in the snow. A few days ago, I posted a house for sale online. As a result, the hornet's nest was stabbed and the calls kept coming. To my surprise, it was not the intermediary who arrived first, nor was it just needed. They are loan salesmen of some small banks.
I think it's strange, isn't it? Why did they contact me and give me a loan? They said, that is, I saw the information about selling a house on the Internet and thought I needed it. If it was a potential customer, just call me.
I can't laugh or cry. Can't we sell the house if we don't need it? However, in any case, people are timely and kind, so I politely refused each other. In the face of continuous loan calls, I have to modify my online information. On the topic of information, a special item was added: I don't need it, just sell the house. In this way, the telephone calls were much less, and I was quiet for some days.
During this period, SMS notifications have mushroomed, reminding one after another.
First of all, I reminded you that there are about tens of thousands of credit lines, and later I reminded you that it is a preferential interest rate loan, and so on, which I ignored. They called again and said it was this time. The annual interest rate is 3.8%, which looks like a pie. This may be their last resort to borrow money.
Is there such an exciting thing? In order to satisfy my curiosity, I sat patiently and chatted with them.
In a word, these banks seem to think they are the smartest people in the world, don't they? As for the loan, we can't force it, whether it's a timely help or a icing on the cake! In addition, I have always wondered that there are so many people in need of funds in the world who don't give them anything in the snow. Why do they just hold on to what they don't need?
Later, as soon as they called, I said happily, "OK, prepare a hundred million for me!" " "At this point, those self-righteous guys who always like to call me and lend me money have finally disappeared.
First of all, why did the bank call you? That's because you need a loan. How does the bank know your loan demand? That's because you applied for a loan elsewhere (usually online) and then leaked the information. For customers who have applied for loans online, banks generally do not give loans. So, it's definitely not the bank staff who called you. They are usually intermediaries and won't help you get a loan from the bank. They can either help you earn commissions on loans from some non-bank financial platforms, or charge you a high fee for handling cards. It is recommended not to contact these people, they are all routines!
As a bank employee, this problem is not difficult to understand, mainly due to the country's good credit policy for small and micro enterprises.
At the beginning of 2020, the domestic epidemic began to spread, and international trade wars and other factors affected the real economy. In order to support the development of the real economy, especially the development of small and micro enterprises, the state requires the financial industry to make a profit of10.5 trillion. How to make profits? One of the most important is to reduce the loan interest rate and increase the credit supply.
At the same time, the state requires the growth rate of inclusive loans of state-owned banks to be no less than 30%. In order to accomplish political tasks, state-owned banks have to increase investment in small and micro enterprises. Take the second-class behavior of a state-owned bank where Xiaobai is located as an example. In 2020, 250 million yuan of inclusive small and micro enterprise loans will be added, and more than 60 new loan customers will be added. Loan delivery far exceeds any previous period. Since 202 1, the pressure of loan is still great. In order to find new customers, we are also looking for customers through various channels, including customer introduction, telephone sales, and holding bank-enterprise matchmaking meetings.
While expanding the channels of obtaining customers, the credit policy has also been adjusted accordingly. Banks have increased credit loans, which was unimaginable for state-owned banks in the past. In the past, it was either mortgaged or guaranteed by a third party. Now that state-owned banks have also launched credit loans, it is far less difficult for small and micro enterprises to borrow money, so it is not surprising that small and micro enterprise owners receive bank loan calls.
All banks have the task of lending. Now, as long as there is no problem with credit reporting, they can lend freely. Banks are not the banks they used to be. Now that performance is linked to performance, there will be no money when it is completed. Moreover, as long as the loan is repaid on time, they will basically not give you a loan. Don't ask me what I do.
Products are indeed mortgage-free, but the threshold is getting higher and higher, the qualification requirements are also very high, and the audit is particularly strict, which is generally difficult to pass. It is recommended to find a reliable intermediary to help apply, and the handling fee should be earned by the intermediary. The success rate is relatively high, and the self-service application basically fails, which also increases the number of inquiries and deteriorates the quality of credit information.
Before answering this question, we must first understand a truth: what is the main source of income for banks? The core of bank profit is the deposit-loan spread. Without loans, there is no profit, and it is difficult for banks to survive. Therefore, it is also necessary for banks to sell loans by telephone. There are many calls for selling loans now, for several reasons:
First, with the development of financial technology, face recognition, anti-fraud technology and other risk prevention and control measures have been realized, making it possible to quickly accept and issue unsecured credit loans;
Second, the number of financial institutions has increased and the competitive pressure has increased. Although the products of various banks are relatively rich, the traditional business has little competitive advantage, and mortgage is the root cause of the criticism of loan products. The emergence of mortgage-free products is more competitive.
Third, apart from the banking institutions themselves, there are also some direct selling banks, consumer finance companies and even some intermediaries that cooperate with banks to make marketing loans in the name of banks.
Therefore, there is no doubt that unsecured loans do exist, but it is necessary to clarify the institutions and costs of loan issuance and not be deceived by routine.
It is also difficult to borrow money from banks now, not because the policy has changed, but because the types of bank loans are different.
In the past, the only loan channel was banks, followed by various private loans and so on. , still have a certain impact on the bank's loan business, and compared with bank loans, these channels are easier to obtain financing, which is characterized by higher interest and greater risks.
In the past, bank loans were generally mortgage loans or credit loans.
Our most common mortgage loans are mortgage loans or car loans, as well as credit loans from some enterprises.
Mortgage and car loan are the simplest loan methods, with simple procedures and relatively low interest. If it is a credit loan, the interest will be higher, but for business operations, this kind of credit loan is a relatively low interest that enterprises can get.
Now the mortgage-free loans stopped by banks are similar in nature to corporate or private loans, with high interest and complicated procedures.
At present, most of these unsecured loans are consumer finance loans. To put it bluntly, the loan amount is relatively small and the risk is relatively low compared with banks. Generally, the annualized interest rate of such consumer finance loans is relatively low, at 7%.
If the lender does not pay interest, penalty interest, liquidated damages and other expenses, it is possible that the overall interest will reach 24%.
So it's not that bank loans are simple, but that the types of loans we come into contact with are different, the needs are different, and the problems we need to solve are different.
Moreover, even if you receive news or phone calls, you may not be able to get a loan. They are now telemarketing, and there is no difference between calling and texting. If necessary, contact the bank.
In fact, when you want to borrow money, you still have to go through the process, but for small loans, the process is relatively simple.
We are now exposed to these loan methods. In fact, it is not the loan policy that has changed, but the sales methods of banks have changed.
Second, can it be faster to apply for an unsecured loan line from a bank through a loan company?
If the landlord needs a loan, I suggest you handle the loan business at Yirong. com. The loan is fast and the amount is high. Online evaluation is very good!
It is more efficient to handle loans directly through "Yirong.com" loan companies than banks: 1) Loan companies can provide customers with more, newer and more accurate credit information; The loan company provides one-stop service, which saves the processing time of customers and improves the processing speed; 3) Customize the loan scheme for customers and design a loan scheme suitable for customers.
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Yirong.com cooperates with more than 20 banks/microfinance companies nationwide, including China Merchants Bank, Bank of China, Industrial and Commercial Bank of China and Shenzhen Development Bank. And accept applications for online loans from all walks of life; As long as you submit your application online, Yirong.com will review and solve your problem as soon as possible. The influence of many institutions on a loan will definitely help you find a loan with lower interest rate that suits you.
3. What are the requirements for CCB's small loan?
1. Personal collateral: the abbreviation of a person who is over 60 years old and has full capacity for civil conduct.
Second, the loan standards and conditions:
65,438+0. Personal loan, loan amount (1 0,000-200,000), loan area (local area), loan from 1 0,000, term 1-2 years, loan interest rate: annual interest rate (/kloc
Requirements: (1) A copy of my valid certificate (such as ID card and household registration book), detailed address, home fixed telephone number or my fixed contact number are required;
Requirements: (b) At the same time, the company requires the applicant to submit relevant information and submit the application for approval, which will take half an hour at the earliest.
2. Corporate loans: loan amount (1-500,000) and term (1-3 years); loan interest rate: annual interest rate (8-10%);
Requirements: (1) Copy of business license, organization code certificate and ID card of legal representative;
Requirements: (b) The company also requires the applicant to verify and give it.
3. Self-employed loan: loan amount (500,000-300,000), term (65,438+0-3 years) Loan interest rate: annual interest rate (65,438+00%);
Requirements: (1) Copy of business license, tax registration certificate and ID card.
Requirements: (b) At the same time, the company requires the applicant to submit relevant materials. After verifying the submitted materials, you can give the customer a clear answer on whether to approve the funds within 1 hour, and make payment within the second day of the earliest application.
Three processes:
1. Customer application: The customer writes an application form and submits relevant materials at the same time;
2. Signing a contract: After the application materials submitted by the borrower are reviewed and approved by the bank, both parties sign a loan contract and a guarantee contract, and go through relevant notarization and mortgage registration procedures as appropriate;
3. Loan: a loan that has been approved by the bank and completed all procedures;
4. Repayment on schedule: the borrower repays the loan principal and interest according to the repayment plan and repayment method agreed in the loan contract;
5. Loan settlement: loan settlement includes normal settlement and early settlement;
(1) Normal settlement: the loan shall be settled on the loan maturity date (one-time repayment of principal and interest) or the last installment (installment repayment);
(2) Early settlement: Before the loan expires, the borrower must apply to the bank in advance according to the loan contract, and repay the loan at the designated accounting counter after being approved by the bank.
Advantages of the loan: If the loan is unsuccessful, there is no charge.
1. Optimization of repayment method (quarterly interest payment, repayment of principal when due);
2. The use of the loan is not limited (it can be used for enterprises, house purchase, car purchase, decoration, education, etc. );
3. Short process;
4. There is no penalty interest for repaying the loan in advance;
5. Long loan period and quick and simple procedures;
6. If the loan is unsuccessful, the customer will not be charged any fees;
Verb (abbreviation of verb) loan process: basically in line with the formal bank loan process → verify capital verification → sign a contract → receive cash → pay interest quarterly → repay the loan when due.