1. Banks can lend money. As long as it meets the requirements of the bank, there is a personal loan business. The provisions are as follows: triple guaranteed loans, three operating economic entities each hold industrial and commercial licenses, guarantee each other and lend to banks; Requirements for loan procedures: provide my ID card, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, capital flow, business status and other relevant documents, and the repayment person is the person in charge of various businesses;
2. Mortgage loan: the real estate is used as mortgage loan, that is, the real estate (real estate) is used as mortgage and the business enterprise (business license) is used as the lender to apply for a loan. Requirements for loan procedures: the lender's husband and wife identity certificate, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report;
3. Second-hand housing mortgage loan. I am buying a second-hand house. I need to mortgage the property I just bought and apply for a mortgage loan for my lender. Loan procedures need: identity certificates of the buyer and seller, household registration book, marriage certificate, house title certificate, land certificate (or copy), sales contract, deed tax receipt, appraisal report, income certificate of the buyer's husband and wife, and certificate of no house.
1. installment loan is a loan that the bank allows the borrower to repay in installments within a certain period of time. When issuing such loans, banks must investigate the financial situation and repayment ability of borrowers. At the same time, the loan contract must determine the installment time, the repayment amount of each installment and the calculation method of interest. For example, a bank issued an installment loan of 6.5438+0.2 million yuan, which was issued at the beginning of the year and recovered at the end of the year. At the end of the month, the loan was 6,543,800 yuan+0.2 million yuan, and the interest was settled at the end of the year.
2. For the borrower, this method not only meets a large amount of capital demand, but also reduces the interest burden generated by amortization. For banks, it not only provides loans, increases profits, but also speeds up the turnover of installment loans and reduces risks. In the past, only a small part of loans in China were granted in this way. With the reform of the credit system, this kind of loan will be promoted within a proper range.
3. Loan installment repayment can be divided into full installment repayment and partial installment repayment according to specific repayment methods. The full installment repayment method is to repay the principal and interest of the loan in equal amount within a specified period, rather than repay the principal and interest on the maturity date; It can reduce the risk that the borrower cannot repay the loan at maturity. Partial installment repayment method refers to the way that part of the loan is repaid in equal amount, the rest is paid interest in installments, and the principal is repaid in one lump sum at maturity.