Direct loan is a business model of banks in personal mortgage loans. There are three customer sources of bank loans. The first one is provided by the developer. The second category is provided by real estate agents; The third category is that customers directly go to the bank, which is not only a direct loan, but also a direct loan for customers. The reason why banks are willing to lend directly is to reduce operating links and operating expenses. Because developers and intermediaries provide loan customers to banks, banks have to pay the cost.
At present, there are two main repayment methods, namely, average capital repayment method and equal principal and interest repayment method. The former is decreasing method and the latter is matching method. Bankers suggest that the average capital repayment method can save more interest, because the total interest of the principal repayment method is less than that of the principal and interest repayment method under the same loan amount, interest rate and loan period. Moreover, the principal repayment method always pays the same principal, but the interest decreases from more to less. Under normal circumstances, the pressure in the later period of repayment is much lighter than that in the earlier period.
Still taking a loan of 500,000 yuan with a term of 20 years as an example, if average capital repayment method is adopted, the total interest to be paid is nearly 240,000 yuan, and the later the repayment period, the less the monthly repayment amount; However, if the principal and interest repayment method is adopted, the total interest to be paid is more than 270 thousand yuan, and the monthly repayment amount is the same, but the latter is nearly 20 thousand yuan more than the former. There are also weekly or annual repayments. No, it's all a new personalized repayment model developed by banks. Please consult the loan bank for details.
Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest. 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. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.