What types are there: from self-employed and small workshops to families and individuals? If it is defined as a loan without mortgage, there are the following categories in China: 1. According to institutions, government-run loans, such as poverty alleviation discount loans, urban employment and re-employment security funds and so on. 2. Non-governmental organizations: About 300 of them mainly rely on international assistance and social donations. 3. Businesses independently operated by financial institutions: such as credit cooperatives, city commercial banks, newly established companies and individual trust and investment companies. Second, according to the service object and purpose: 1, public welfare: for the purpose of poverty alleviation and employment, mainly government and non-governmental organizations. For-profit: for the purpose of making profits, it is mainly operated by financial institutions. Third, according to sustainability, sustainability: taking financial self-financing as the standard. Phased projects: do not pursue self-financing and mainly rely on subsidies and donations. The above categories can be combined into different types of institutions, such as sustainable public welfare institutions and commercial sustainable institutions.
How much is Hong Guang Wuling Mini Loan for 5 months?
202 1 Hong Guang mini can be divided into the following stages:
The bare car price of Wuling Hong Guang mini is 43,600 yuan. If the down payment ratio is 20% and the repayment period is 3 years, then the owner needs to pay a down payment of 8720 yuan, a loan of 34880 yuan and a monthly payment of 968.89 yuan in 3 years. Therefore, if the owner wants to buy this car with a loan, it will eventually cost 53,934.94 yuan.
The bare car price of Wuling Hong Guang mini is more than 40,000, which is not very expensive, and it is still affordable for many people. So it will be more cost-effective to buy a car in full. After all, it is really not cost-effective to borrow money to buy a car 1 10,000.
Small secured loan process _ secured loan risk _ secured loan five-level classification
Secured loan means that when the borrower fails to provide the mortgaged (pledged) property in full, the third party recognized by the lender shall provide joint liability guarantee. Now many lending institutions need this kind of strong guarantee, so how much do you know about secured loans? The following details the process and risks of secured loans and the five-level classification of secured loans.
(1) Application: The enterprise applies for loan guarantee.
(2) Inspection: inspect the operation, financial status, mortgaged assets, tax payment, credit status, business owners, etc. of the enterprise, and initially determine whether to guarantee.
(3) Communication: communicate with the lending bank to further master the enterprise information provided by the bank and clarify the amount and term of the proposed loan.
(4) Guarantee: determine loan guarantee and counter-guarantee agreement, asset mortgage and registration with enterprises, sign guarantee contract with loan banks, and formally establish guarantee relationship with banks and enterprises.
(5) Lending: Banks issue loans to enterprises on the basis of reviewing loan guarantees, and at the same time charge guarantee fees to enterprises.
(6) Tracking: Tracking the loan usage and operation of enterprises, and directly tracking the operation of enterprises through quarterly tax payment, electricity consumption and cash flow increase and decrease.
(7) Prompt: Prompt in advance one month before the enterprise repays the loan, so that the enterprise can prepare for repayment in advance and ensure the normal operation of the enterprise's capital flow.
(8) Dissolution: the mortgage registration is cancelled and the guarantee relationship with the bank and enterprise is cancelled with the repayment form of the enterprise bank.
(9) Record: Record the credit situation of this loan guarantee, which is divided into four grades: normal, abnormal, overdue and bad debt, so as to provide credit records for subsequent guarantees.
(10) Filing: all kinds of agreements signed with banks and enterprises, as well as vouchers after loan repayment, vouchers for cancellation of guarantee, etc., are sorted, filed and sealed for future reference.
Guarantor risk analysis
(A) the risk of a permanent guarantor
If the borrower fails to repay the loan, the guarantor is liable for repayment. Before committing to be a guarantor, you must think clearly, because if you sign the money and debt guarantee, you will be personally responsible for paying off the debts to the lending institution. Even if the relationship between the guarantor and the debtor changes, such as the husband's guarantee for his wife's house purchase loan, and the two eventually divorce, the guarantee will not be affected by the dissolution of the marriage relationship and will still be valid. In other words, once the guarantor signs as a guarantor, he will always become a guarantor unless the borrower is approved by the lending institution to cancel the guarantor qualification.
(2) The risk that the loan amount affects the guarantor.
Under normal circumstances, the borrower repays the loan by himself, and the guarantor need not worry, but the loan amount and monthly payment borrowed by the borrower will generally be displayed in the credit record of the guarantor. When the guarantor needs to apply for any loan by himself, the debt he guarantees will be regarded as his own debt, and usually the lending institution will include it in the debt, which may affect the loan amount of the guarantor.
(3) The guarantor voluntarily guarantees the debt and bears the debt risk.
When lending institutions promise to act as guarantors, they often ask guarantors to sign independent legal consultation documents in law firms or notary offices, referred to as ILA for short. When signing this document, the guarantor can't sign in the same law firm of the borrower, but must find another lawyer to sign and testify, which proves that the legal responsibility of the guarantor has been explained to the guarantor, and the guarantor also understands that he has to bear the debt personally and voluntarily act as the guarantor without any pressure.
Lender risk assessment
Guarantee risk can be classified from different angles. Common classification methods are as follows: [1]
First, according to the hierarchical classification of risk factors, it can be divided into systematic risk and unsystematic risk. The risks caused by macro-policy changes and other factors belong to overall risks, while the risks caused by micro-factors such as decision-making mistakes and the operation of guarantee institutions belong to non-systematic risks.
Second, according to the degree of risk exposure, it can be divided into implicit guarantee risk and explicit guarantee risk. Risks that have not been exposed and are in the incubation period are called implicit guarantee risks. The rules and regulations in the operation of mortgage guarantee business are lax or illegal. Even if there is no problem now, the potential risk is great, and problems or even big problems may occur at any time. Early warning signals have appeared, and obvious risk signs are called explicit guarantee risks, such as compensated guarantees.
Thirdly, according to the controllable degree of risk, it can be divided into completely uncontrollable risk, partially controllable risk and basically controllable risk. Completely uncontrollable risk refers to the change of risk factors caused by the change of completely unpredictable factors, and the failure to effectively prevent these factors in advance, such as environmental risks; Partially controllable risks refer to those risks that can be controlled to a certain extent by taking measures in advance, such as credit risk; Basic controllable risks refer to those risks that can be basically controlled by formulating and implementing scientific and strict operating procedures, management measures, internal control systems and regulatory measures, such as operational risks.
Normal: The borrower can perform the contract, and there is no sufficient reason to suspect that the loan principal and interest cannot be repaid in full and on time.
Concern: Although the borrower has the ability to repay the loan principal and interest, there are some factors that may adversely affect the repayment.
Secondary: The borrower has obvious problems in repayment ability, and cannot fully repay the loan principal and interest by relying entirely on its normal operating income. Even if the guarantee is implemented, it may cause certain losses.
Suspicious: the borrower can't repay the loan principal and interest in full, even if the guarantee is implemented, it will definitely cause great losses.
Loss: After taking all possible measures or all necessary legal procedures, the principal and interest are still unrecoverable, or only a small part can be recovered.
1, mini loan
(1) Loan amount:1-50,000 yuan.
(2) Loan fee: monthly interest 1.5%, and monthly management fee.
(3) Loan term: 12 months.
(4) Repayment method: equal repayment of principal and interest.
(5) Loan target: small business personnel who have been operating in the local area for more than 65,438+0 years, subject to the business license.
(VI) Loan method: unsecured and unsecured.
(7) Basic loan conditions: 1. The borrower has real estate in Nanning (in the borrower's personal name), which belongs to * * *, and * * acts as the borrower or provides guarantee; 2, married, both husband and wife as * * * and the borrower.
2. Personal loans
(1) loan amount: 1-65438+ ten thousand yuan.
(2) Loan fee: monthly interest rate 1.5%, and monthly management fee of 0.5% (charged monthly).
(3) Loan term: 12 months.
(4) Repayment method: equal repayment of principal and interest.
(5) Loan target: individual industrial and commercial households operating in the local area for more than 1 year, subject to the business license.
(VI) Loan method: unsecured and unsecured.
(7) Basic loan conditions: 1. The borrower has real estate in Nanning (in the borrower's personal name), which belongs to * * *, and * * acts as the borrower or provides guarantee; 2, married, both husband and wife as * * * and the borrower.
Which student loan app is easy to come down?
1, small and micro learning loan app. Micro-learning loan is a special loan product for college students. The loan amount is the lowest in 200 yuan, and the highest is 2000 yuan. According to the repayment ability of college students, we provide a flexible repayment cycle with a minimum of 7 days and a maximum of 30 days. If the loan is approved, the money will be transferred to Alipay account, which will arrive in about 1 hour. The interest rate is one thousandth of the daily interest rate.
2. classmate loan app. The classmate loan app is a platform for college students to provide cash loan services in emergency turnover, holiday travel, education and training. It has a number of classified products, including "mini loan" of 600-5,000 yuan, with the longest loan term of 12 months; Emergency wallet "500 yuan, interest-free within 7 days; The interest-free limit of closed travel venture fund is up to 5000 yuan.
3, lightning learning loan app. Lightning Learning Loan app is a cash loan service launched by Shanghai Zhuxin Finance. The loan amount of Lightning Learning Loan is flexible. For college students in 300 yuan, 500 yuan and 800 yuan, the repayment period is as short as 7 days and as long as 15 days according to the repayment ability. Pure online operation, the loan is directly transferred to Alipay, and the next payment will arrive in about 10 minutes. You can borrow it and return it.
4. The ant borrowed it. Ant borrowing is a loan service launched by Alipay. At present, the application threshold is sesame score of 600 or above. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. It is very suitable for college students who often use Alipay. The longest repayment period of the loan is 12 months, and the expected annualized interest rate on the loan day is 0.04%, which is also aimed at young people.
5, Beijing sedan chair stool East gold bar. As the purpose of college students' loans is mainly consumption, JD.COM Gold Bar, as an upgraded version of JD.COM White Bar, is very attractive in meeting college students' consumption and purchase. Applicants can apply for JD.COM gold bars as long as they have passed JD.COM white bars and have a good consumption record of JD.COM white bars, which is very simple for college students.
So much for the introduction of microfinance.