Business scope of Wuhan Wei Zhen Business Consulting Co., Ltd.
Business information consultation (excluding business investigation); Personal loan consulting services and agency services; Housing mortgage loan, mortgage consultation and agency services; Advisory services on bank credit agency procedures; Accept the legal entrustment of financial institutions to engage in financial service outsourcing and financial information data processing services; By undertaking service outsourcing, engaged in bank back-office services and business outsourcing services; Accept the legal entrustment of banks or financial institutions to provide credit card promotion and publicity services; Accept the legal entrustment of financial institutions and provide overdue reminder and default notice services for loan business. Internet information service; Enterprise credit information service; Enterprise management consulting; Data processing and storage services; Collection and verification of credit data; Data input service; Word and data processing services (involving licensed projects, they can only be operated after obtaining permission from relevant departments)
Definition of commercial loan
Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, usually 9 months, and no more than one year at most, but there are also a few medium-and long-term loans. This kind of loan is the main part of commercial bank loans, generally accounting for more than one-third of the total loans. Commercial loans, also known as individual housing loans, are commercial banks and housing savings banks approved by the People's Bank of China, which provide loans for urban residents to purchase ordinary housing for their own use and implement the statutory loan interest rate. Many commercial banks in Beijing have this business, such as CCB and ABC. The procedures for applying for loans are basically the same. Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, a natural person with full capacity for civil conduct applies to the bank for a commercial housing loan as a loan repayment guarantee when purchasing a self-occupied house in a town in this city, with the purchased property housing (or other guarantee methods recognized by the bank) as collateral. Mortgage loan is a kind of commercial loan.
Personal housing commercial loan is a kind of loan that China citizens apply to the bank for the purchase of commercial housing. According to the relevant regulations of the bank, anyone who meets one of the following two conditions can apply for loan varieties: first, residents who participate in housing savings; Second, the house seller and the loan bank agreed that the real estate guarantee enterprise would provide guarantee to the bank for the residents' house purchase loan. Commercial loans refer to the proportion of commercial loans in the guarantee balance of housing property right guarantee institutions at the end of the statistical period.