How to apply for a bank loan? What conditions need

I. Mortgage loan 1. Mortgage: The borrower himself or the third party's own property rights, which has a "real estate certificate". 2. The mortgage process: (1) The real estate certificate holds the real estate house where the property rights are located in the district and real estate bureau of the real estate asks if the property can handle the real estate mortgage registration; Application for mortgage loans to CCB's personal comprehensive consumer loan shall be approved by CCB designated real estate assessment agencies to evaluate the owned real estate provided by the applicant, and submit it to the real estate assessment report, and charge the 3 ‰ of the evaluation value; 4) CCB assists the applicant to go through the real estate insurance procedures and the corresponding loan approval procedures. The maximum loan amount does not exceed 70%of the evaluation value, and the approval and approval of the loan contract and the mortgage contract; The district and county housing bureaus of the real estate shall go through the mortgage registration procedures, and the government's expenses shall be borne by the borrower; (6) After the mortgage registration is completed, the CCB can issue a loan to the borrower's personal savings account. Second, pledge loan 1. Pureable property: The right certificate of the borrowing himself or the third party, including: (1) securities. Including financial bonds issued by Beijing Branch, AAA -level corporate bonds, and government bonds (except for laws and regulations that cannot be pledged); Personal and foreign currency depositors and regular passbooks issued by the individual and foreign currency; (4) other legal and effective power vouchers recognized by Beijing Branch. 2. Pickling process: (1) A loan of the right to the personal comprehensive consumer loan by the personal comprehensive consumer loan; For the loan approval procedures, the maximum loan amount does not exceed 90%of the pledge right certificate, and signed a loan contract and pledge contract with the applicant who agreed to issue the loan; Third, a portfolio borrower can apply for the same personal comprehensive consumer loan by virtue of the mortgage or pledge right certificate. The loan quota allows the loan amount to be issued in two guarantees. The loan process is the same as above. 4. Credit loan 1. The borrower applies for personal comprehensive consumer loans based on his credit. CCB determines the loan amount based on the credit situation of the borrower, up to RMB 600,000. 2. The information provided by the borrowing applicant (the following information is available for providing it); (1) I have a valid ID card, hukou book, and officer certificate. (2) The credit investigation letter issued by the unit, including professional nature and employee stability. (3) Certificate of personal comprehensive monthly income. (4) Personal work testimony and representative salary records or salary list. (5) Education certificate, title certificate. (6) Proof of housing conditions such as real estate certificates or housing lease contracts. (7) Marriage status and children. (8) Recently, any payment order or the neighborhood committee has been proved by any of the water, electricity, gas, telephone fee. (9) Certificate of personal loans and other business related to CCB. (10) Personal Dragon Card Credit Card and Bill in the last six months. (11) Certificate of other financial assets (such as stock delivery, savings, personal insurance, funds, government bonds, etc.) (12) According to the actual situation of the customer, other materials need to be provided. 3. The customer manager determines the loan quota and period according to the borrower's credit level, and the loan approval procedures are performed. The loan amount does not exceed the corresponding credit grade allowed to the distribution amount, and signed a loan contract with the applicant who agreed with the approval. 4. CCB issued a loan to the borrower's personal savings account. Whether the loan repay in advance can save interest or whether the loan can be repaid in advance or whether it can save interest expenses. It must be a few days in advance. Because the annual interest rate of the bank is calculated at 360 days, it has 365 days a year. Therefore, for a 1 -year loan, if you repay the loan in advance, the actual number of lives of the loan is 360 days, and you can save interest; Pay more interest. In 2006, Ms. Jiang borrowed a 1 -year personal consumer loan from the bank with a mortgage with a real estate mortgage with a interest rate of 7.254%(on the basis of a one -year base festival? 58%) The loan expired on March 29, 2007. In order to save interest, she returned a loan of 500,000 yuan in advance on March 28 this year. After the repayment, Miss Jiang went home to carefully calculate and found that there was a problem. It seemed that the bank had received more interest. Even if the repayment is expired, the interest is only 36,270 yuan. You can pay less money one day in advance, but you need to pay more interest? Later, Miss Jiang interrogated the bank to know that she had repaid the loan in advance and suffered a loss. It turned out that the bank had regulations: a 1 -year loan, implemented the "one -time repayment of loan principal and interest" repayment method: loan expires repayment, interest is calculated according to the "loan principal × annual interest rate"; Loan principal × loan daily interest rate × loan actual days "calculate interest. The bank's calculation formula for the Japanese interest rate is: annual interest rate ÷ 360 days. According to the bank's regulations, if Miss Jiang returns the loan when the loan expires on March 29, the bank will calculate the interest on the repayment of the repayment. Yuan. Ms. Jiang repaid on March 28, and the bank calculated interest at 364 days based on the actual loan days. The calculation formula is as follows: the loan principal of 500,000 yuan × (an annual interest rate 7.254%÷ 360) × the actual loan day 364 × 1 year = 36582 yuan Essence Among them, the daily interest rate = annual interest rate of 7.254%÷ 360 is calculated. Miss Jiang obviously pays more interest for 312 yuan (36582 yuan-36270 yuan), which is really a big loss. Ms. Jiang's suffering experience gives us a lesson: For a 1 -year loan, repayment of loans in advance may not necessarily save interest. It depends on whether the loan can save interest in advance, it depends on a few days in advance. Because the annual interest rate of the bank is calculated at 360 days, it has 365 days a year, which is 5 days in the difference; the actual number of days of borrowing is 360 days, which is the balance of the same balance in advance to pay the income payable interest expenditure. point. Therefore, if you repay the loan in advance and make the actual number of lives less than 360 days, you can save interest expenses; on the contrary, if you repay the loan in advance, the actual number of days of the loan is greater than 360 days, and you will pay more unjustly to pay more unjustly Interest. Therefore, the seemingly simple loan return is actually hidden in a lot of knowledge. You can't see it, and you can take it for granted. To clarify the "true meaning" of repayment, it will save you a lot of expenses and minimize your bank loan cost. [Edit this paragraph] Loan Loan Bank or other financial institutions in a credit activity form of borrowing money funds in accordance with certain interest rates and must be returned. The general term of loans refers to loans, discounting, and overdrafts. The bank's concentrated currency and currency funds through loans can meet the needs of supplementary funds for social expansion of reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase bank accumulation. There are many types of loans. According to different loans, they can be divided into regular loans and current loans. For regular loans, the borrower must repay the principal and interest within the agreed period; the current loan is not stipulated, and the customer can repay all or part of the loan at any time, and the bank can also ask the borrower to repay the loan at any time. According to the nature of the guarantee, loans can also be divided into mortgage loans and credit loans. The mortgage loan refers to a loan that uses the vouchers of goods and goods or other items; credit loans refer to the borrower when the bank loan pays the money, and usually only the borrower will issue the bill signed by the borrower. In China, bank loans include liquidity loans, technical transformation loans, basic construction loans, large -repair loans, settlement loans, agricultural and sideline products, and agricultural production equipment loans. According to the relevant provisions of national management funds, the banks of China's banks within the fixed amount of state -owned enterprises must be loaned in principle and pay interest at a lower interest rate; Loan feed generally pays higher interest. Due to some objective reasons, the loan fails to repay the loan on time. After the re -loan is repaired and the bank is reviewed and approved, the loan repayment period can be extended. However, if the loan unit cannot be repaid on the loan on time due to poor operating management and other subjective reasons, the loan repayment period cannot be extended, and the bank will also charge interest or deduct the loan. Chinese professional banks have the following division of labor: Industrial and Commercial Bank of China and Agricultural Bank of China issued industrial loans, agricultural loans and commercial loans; the People's Construction Bank of China is responsible for basic construction loans; Bank of China is responsible for RMB loans and foreign exchange loans from foreign trade enterprises; China Investment Bank is responsible for using World Bank loans and other foreign capital raised. What are the types of loans? Loans are divided into short -term lengths, with short -term loans, medium -term loans and long -term loans. Short -term loan refers to a loan in a loan period within 1 year (including 1 year). Medium -term loan refers to a loan period of less than 1 year (excluding 1 year) (including 5 years). Long -term loan refers to a loan with a loan period of 5 years (excluding 5 years). The loan is divided into credit loans and guarantee loans according to whether or not guarantee. Credit loan is a loan issued to the borrower based on the good or bad of the borrower's credit status. There is no "guarantee" or no other guarantee. The guarantee loan refers to a loan issued by a borrower or a third party according to law. Guarantee loans include guarantee loans, mortgage loans, and pledge loans. Ensuring loans, mortgage loans or pledge loans refers to a loan issued in accordance with the guarantee method, mortgage or pledge method stipulated in the "Guarantee Law of the People's Republic of China". For example, personal housing loans and car consumer loans are guaranteed loans issued by housing or cars for mortgage. For rural credit cooperatives, it is divided according to the objects and uses of loans. It is mainly for rural industrial and commercial loans, consumer loans, student loans, real estate loans, farmers' loans, agricultural economic organization loans and other loans. I. Self -operated loans, entrusted loans and specific loans: 1. Self -operated loan refers to the loan independently issued by the funds raised by the lender in a legal way. 2. The entrusted loan refers to the funds provided by the government departments, enterprises and institutions, and individuals, and the lender (that is, the trustee) based on the loan objects, uses, amount periods, interest rates, etc. on behalf of And assist the recovered loan. The lender (trustee) only collects handling fees and does not bear the risk of loan. 3. Specific loans refer to loans issued by the State Council and the losses caused by the State Council and the losses caused by the loan may be obtained by the loan issued by the wholly -owned commercial banks. 2. Short -term loans, medium -term loans and long -term loans: 1. Short -term loans refer to loans that are within 1 year (including 1 year). 2. Medium -term loan refers to a loan period for more than 1 year (excluding 1 year) of less than 5 years (including 5 years). 3. Long -term loan refers to a loan with a loan period of 5 years (excluding 5 years). 3. Credit loans, guarantee loans and notes: 1. Credit loan refers to a loan issued with the reputation of the borrower. 2. Guarantee loan refers to ensuring loans, mortgage loans, and pledge loans. The guarantee loan refers to a loan issued in accordance with the provisions of the borrower in accordance with the guarantee of the guarantee of the "Guarantee Law of the People's Republic of China". The mortgage loan refers to the loan issued by the borrower or third party as a mortgage in accordance with the mortgage method stipulated in the "Guarantee Law of the People's Republic of China". The pledge loan refers to a loan issued by borrowers or third parties as a loan issued by a borrower or third party in accordance with the "Guarantee Law of the People's Republic of China". 3. Cashful notes refer to a loan issued by the lender to the way of buying a borrower's unprepared commercial bill. 2. The term and interest rate of loans (1) Personal small short -term credit loan period is below 1 year (inclusive). (2) Personal small short -term credit loan interest rates are implemented in accordance with the short -term loan interest rates prescribed by the People's Bank of China, and the floating amplitude is implemented in accordance with the relevant regulations of the People's Bank of China. When the interest rate adjustment is encountered during the loan period, the contract interest rate is performed at no segments. If the loan period is less than 6 months, the interest rate is calculated at 6 months. (3) The starting point of personal small short -term credit loans is 2,000 yuan, and the loan amount does not exceed 6 times the average monthly wage income of the borrower, and the maximum does not exceed 20,000 yuan. (4) Personal small short -term credit loans generally do not apply for the exhibition period. If you cannot repay the loan due to force majeure or accidents, the lender can give a period of exhibition once, and the cumulative loan period shall not exceed 1 year. The interest before the exhibition is paid according to the interest rate stipulated in the original contract. If the interest after the exhibition period, if the cumulative loan period is less than 6 months, starting from the exhibition period, the interest rate of the 6 -month loan interest rate listed on the same day is calculated: more than 6 months, the one -year loan listed on the day of the day, the one -year loan listed on the day Interest rate interest. Bank loan (Bank Loans) is a bank loan bank loan refers to a kind of economic behavior that banks loans funds to funds with certain interest rates based on national policies and agreed to return the time limit. The classification of bank loans has different types of bank loans according to different division standards. For example: different repayment periods can be divided into short -term loans, medium -term loans and long -term loans; different repayment methods can be divided into live loans, regular loans and overdrafts; according to the use of loans or objects, they can be divided into industrial and commercial loans, agricultural loans , Consumer loans, securities brokers loan, etc.; According to the loan guarantee conditions, it can be divided into bill discount loans, bill mortgage loans, commodity mortgage loans, credit loans, etc.; Retail loans; different interest rates, can be divided into fixed interest rate loans and floating interest rate loans, and so on. Moreover, in different development periods of different countries and a country, the types of loans divided according to various standards are also different. For example, the United States' business loans include several types of ordinary loan limit, operating capital loans, spare loan commitments, and project loans. British industrial and commercial loans are mostly used in the form of bills, credit accounts, and overdraft accounts. Types of bank loans in British and American countries (1) Ordinary loan limit and spare loan commitment. Ordinary loan limits are a loan in the form of informal agreement. Based on the characteristics of seasonal and regularity of enterprises, the enterprise has established an informal agreement with the bank. It agrees that a bank can provide the maximum amount of loans from the enterprise within the designated period. Within this period and the loan amount, the enterprise can get bank loans at any time. When applying for a loan amount, the bank must explain to the bank's recent financial status, and the bank decides whether to grant credit and execution agreements based on the corporate credit status and its own operating requirements. The spare loan commitment is a loan form stipulated in a relatively formal and legal effect agreement. Enterprises signed a formal loan agreement with banks, and the bank promised to provide loans to the enterprise in the specified period and limit in the designated period and request the enterprise to pay the commitment fee to the bank. (2) Operating capital loans and project loans. The operating capital loan is based on the characteristics of long -term production cycle of enterprise products, many raw materials reserves, and slow capital recovery. Project loan is a loan that targets large -scale construction projects with high risks and high costs. It is characterized by large amounts, high risks, and high interest rates. Covesty for projects, not for companies and enterprises. For large -scale projects, a number of banks are usually combined to provide loans in the form of banks Sindiga or syndicated to decentralized risks. (3) Cash on the bill. Compared with the general loan, it is characterized by: ① credit objects. Bill discount is the object of the bill rather than the borrower; ② the loan quota. The amount of discount loans is only related to the amount, discount rate, and the remaining period of the bill, not affected by factors such as borrowing use and borrower's financial status; ③ capital return method and period. Bill discount can be recovered in advance by reposting and re -discounting of bills; ④ risk and income. Bill discount has a more reliable settlement guarantee mechanism and risk dispersing mechanism, but the income is lower than the general loan. (4) Credit account and overdraft account. Credit accounts are a convenient form of banks that are mainly used to arrange installment loans. The overdraft account provides a convenient form of loans for customers who have issued accounts in the bank. [Edit this paragraph] The type of bank loan in my country was classified as follows by the "Loan General Principles" promulgated by the People's Bank of China in June 1996: (1) self -employed loans, entrusted loans and specific loans. Self -operated loan refers to a loan independently issued by the loan's funds raised in a legal way. The risk of the lender is borne by the lender, and the lender recovers the principal and interest. The entrusted loan refers to the funds provided by the government departments, enterprises, institutions, and individuals, and the lender (that is, the trustee) based on the loan objects, uses, amounts, periods, interest rates, etc. on behalf of Assist in the recovery loan. The lender (trustee) only collects handling fees and does not bear the risk of loan. A specific loan refers to a loan issued by the State Council and the losses caused by the State Council to take corresponding remedial measures after the loan may be obtained. (2) Short -term loans, medium -term loans and long -term loans. Short -term loan refers to a loan in the loan period within one year (including one year). Medium -term loan refers to a loan period of more than one year (excluding one year) of five years (including five years). Long -term loans refer to loans with a loan period of five years (excluding five years). (3) Credit loan, guarantee loans and notes. Credit loan refers to a loan issued with the reputation of the borrower. Sales loan refers to guarantee loans, mortgage borrowings, pledge loans. The guarantee loan refers to a loan issued in accordance with the provisions of a third party's commitment in accordance with the guarantee method stipulated in the "Guarantee Law of the People's Republic of China". The mortgage loan refers to a loan issued by the borrower or third party as a mortgage in accordance with the mortgage method stipulated in the "Guarantee Law of the People's Republic of China". The pledge loan refers to a loan issued by borrowers or third parties as a loan issued by the borrower or third party in accordance with the "Guarantee Law of the People's Republic of China". The discount of bills refers to a loan issued by the lender to purchase the borrower's unprepared commercial bill. The method of bank loan method of small and medium -sized enterprises obtain bank loans: establishing a good bank -enterprise relationship. Pay attention to reputation. It is necessary to write a good research report on investment projects and highlight the characteristics of the project. Choose the right loan timing. Get support from the guarantee agency of SMEs. (1) Entrepreneurship loan and entrepreneurial loan refers to a special loan issued by a certain production and operation capabilities or engaged in production and operation activities due to entrepreneurial or re -entrepreneurship, and a special loan issued by the bank after valid guarantee. Eligible borrowers, according to personal resources and repayment capabilities, can obtain up to 500,000 yuan of loan support. If entrepreneurship reaches a certain scale, a higher amount of loans can be given. The period of entrepreneurial loans is generally 1 year, with a maximum of more than 3 years. Support laid -off employees to start a business, the interest rates of entrepreneurial loans are undulating in accordance with the same grade interest rates prescribed by the People's Bank of China, and they can enjoy a certain proportion of government discounts. (2) Mortgage loans can flexibly use personal consumer loans for entrepreneurship for those who need entrepreneurship. The amount of mortgage loans generally does not exceed 70%of the mortgage evaluation price, and the maximum loan limit is 300,000 yuan. If you need to purchase commercial houses along the street, you can use a house to buy a house for mortgage, and apply for a commercial housing loan from the bank. The loan amount generally does not exceed 60%of the evaluation value of the proposed commercial housing, and the loan period is up to 10 years. Those suitable for entrepreneurs are: real estate mortgage loans, real estate mortgage loans, intangible asset low -voltage loans, etc. Disposter mortgage loan. Entrepreneurs can mortgage with real estate such as land and houses and obtain loans from banks. Real estate mortgage loan. Entrepreneurs can be mortgaged by stock, government bonds, corporate bonds, and other securities recognized by banks, as well as real estate such as gold and silver jewelry, and obtain loans from banks. (3) In addition to the pledge of pledges, the pledge loan can also easily get personal loans with vouchers such as Treasury coupons and insurance companies. 80%of the amount of the deposit pledge loan can be deposited; 90%of the Treasury pledge loan loan can be loans; the amount of insurance loans launched by insurance companies does not exceed 80%of the cash value of the insurance policy at that time. From the perspective of pledge scope, the scope is relatively wide, such as deposits, treasury vouchers, goods withdrawals, trademark rights, industrial property rights, etc. can be used as pledge. As long as entrepreneurs can find their own things and use these rights as pledge, they can apply for a bank loan. (4) Make sure that if you do not deposit or government bonds or policies, but your spouse or parents have a good job and stable income, which is also an excellent credit resource. At present, the bank has a soft spot for high -income class. Lawyers, doctors, civil servants, employees of public institutions, and financial industry personnel are all listed as the preferential treatment objects for credit loans. Police in these industries only need to find one or two colleagues for guarantee. ICBC, CCB and other financial institutions obtained a guarantee loan of about 100,000 yuan. In the case of preparing various materials, they could be approved on the same day to obtain entrepreneurial funds quickly. (5) For small -scale loans for laid -off unemployed persons, for laid -off unemployed persons who are within 60 years of age, health, honesty, and have certain labor skills, they can hold their own occupations, independent entrepreneurship or partnership and organize employment. The re -employment preferential certificate issued by the Labor Security Department shall apply to a commercial bank or its branch to apply for a small guarantee loan regulations. Entrepreneurs can hire personnel who are laid -off and unemployed. Personal standards can loan up to 20,000 yuan, and interest is the minimum interest rate between local bank loans. If the company hires 10 laid -offers, you can enjoy a low interest rate loan with a maximum of 200,000 yuan. (6) International Trade Finance International International Trade financing refers to short -term financing or credit convenience related to the settlement and export trade settlement provided by the government and banks to import and export enterprises. These businesses include credit -opening certificates, imports of import, delivery guarantees, export foreign exchange, packed loans, foreign exchange bills cash out , International Female Finance, Foffitin, Export Buyer Credit. 1) Short -term financing of international trade*Exporters can receive short -term funds from imported goods and banks. Merchants provide loans, such as unsecured loans, banks with trust receipt loans, exported goods mortgage loans, packaging loans, cargo mortgage loans, foreign storage loans, etc. *importers can receive short -term funds from exporters and banks. The loans provided by exporters to the importers, such as opening account credit and bill credit. ② Bank provides loans to importers. The medium- and long -term fundraising (export credit) export credit is the economic activity of providing credit funds to the country's exporters, foreign future merchants or importer banks in order to inspire the export of commodities of domestic enterprises. Method. Including the seller's credit and buyer's credit. The seller's credit refers to a bank that the bank provides credit to the country's exporters, and then the exporter provides an export credit method to the importer to provide delayed payment credit. The bill or credit company provides a loan to the bank or importer's bank or importer, and is an export credit form that has been exported to the export of goods. (3) Compensation trade financing compensation trade financing refers As a loan with training, after the project is put into operation, domestic enterprises use the product of the project or other methods to repay the economic activities. This method is one of the effective ways to solve SME equipment, technology backward, and shortage of funds. The financing method belongs to the import price of income or production by foreign companies to pay for enterprise equipment and technology, and then pay for the income or produced by it. The general procedure is: project financing feasibility study. It mainly includes the inspection project in China and the company The supporting construction environment and conditions, such as supporting funds, technology, talents, land, raw materials, infrastructure and state Family related policies, etc.; The economic effects and social effects of certified projects; because the product faces the international market, it also needs to certify the international competitiveness of the product and the prospects of overseas markets. Determine and submit to the project. After passing project feasibility certification, the relevant information is reported to the competent department for approval. Negotiations with foreign businessmen. The main contents of the negotiations include equipment or technical performance, price, quantity, installation, maintenance, personnel training; the boundary of the transfer of technical property rights; the number, specifications, and quality standards of the repayment products; the payment period. signing the contract. After the two parties reached an agreement, the negotiation results were written into the contract. Perform the contract. After the contract takes effect, the two parties operate in accordance with the contract, and the enterprise shall conduct trade and financing in accordance with the contract. (7) Comprehensive credit grant comprehensive credit, that is, banks with good operating conditions and high -quality credit (customers or customers who can provide low -risk guarantees) are granted to a certain amount of credit quota within a certain period of time. recycle. The comprehensive credit line shall be approved by the enterprise at one time, and the bank is approved at one time. Enterprises can use their own operations in installments, repay and return, and also save financing costs. Conditions for comprehensive credit: Credit levels are above AA (inclusive). The asset -liability ratio is not higher than the good value of the industry's industry. Or the liability balance does not exceed net assets. In the past two years, there have been no operating losses, and the total asset remuneration rate in the first half of the year is not lower than the industry average. There are no bad credit records in the past two years. (8) Guarantee loan guarantee loan refers to the borrower with a third -party guarantor who meets the legal conditions as a repayment guarantee. When the borrower cannot perform the contract, the bank has the right to perform or bear the liability of the loan liability as required to perform or bear the liability of the loan. Borrowing method. These include loans that are guaranteed by natural persons, loans guaranteed by professional guarantee companies, and custody guarantee loans. According to the above methods, more specific financing methods can be formed. For example: 1) Bill discount financing. Refers to the bill holder transferred commercial bills (mainly bank acceptance bills and commercial acceptance bills) to banks to obtain funds after deducting discount interest. In this way, the cost is very low. Just bring the corresponding bills to the bank to go through the relevant procedures. 2) Intellectual property pledge loan. It refers to the use of legal rights, trademark rights, and copyrights with legal ownership. 3) Exports and lending loans. It refers to the enterprise that produces export products, banks can provide packed loans based on export contracts or credit visas provided by the importer; for companies with existing accounts, they can provide foreign exchange mortgage loans; for enterprises with foreign exchange income sources, they can rely on companies with foreign exchange income sources. Endowned vouchers obtain RMB loans; companies with good export prospects can also borrow a certain amount of technology transformation loans. In addition, for small temporary loans, you can also use credit card overdrafts to get funds. At present, the overdraft function of bank credit cards is increasing. A credit card is generally less than 3,000 yuan and 5,000 yuan. For the entrepreneurs who buy and sell, several shareholders or few families, each person has a few more cards, within a certain period of time (such as 60 days), can also solve There is no funding in the purchase. Four provinces of bank loans of the four provinces of bank loans Bank loan four provinces: It should be reasonably planned to use the length of time and shortcomings of the payment: The goods are carefully selected by the bank. The bank competition is very fierce. The state stipulates the adjustment of loan interest rates to adjust loan interest rates. Therefore, when loans, capital demanders must achieve "more than three goods" and choose low interest rate banks to loans. For example, the same loan is 100,000 yuan, the borrowing period is one year, one executes the benchmark interest rate, and the other is to perform a 20%interest rate. If the latter is selected, it will pay more than 1,000 more interest in one year. Strategy 2: Reasonable plan Selection period. For those who need funds, the time of money requires a long and short time. Therefore, in order to avoid removal of interest, when a bank loan is loan, the term length should be planned reasonably. The same is the loan, the longer the interest rate of the loan grade, the higher the interest rate. That is to say, the longer the selection of the loan period, even the loan repayment on the same day will have different interest. For example, the current short -term loan interest rate is divided into two -year and one -year grade, and it is stipulated that the half -year level interest rate within half a year of loan period is stipulated that the one -year interest rate of the one -year level of the one -year level is less than half a year. If the loan period of the funding demand is 7 months, although only over half of the time point of one month, according to the current loan interest calculation, only one -year loan interest rate can be performed, so that the funding demanders can be increased. Loan interest burden

Pay content for time limit to check for freenAnswer Hello, lawyer Baidu serves younQuestion hellonAnswer 1. Natural persons with fully capacity for civil behavior; 2. With urban resident accounts or effective staying status; 3. There are stable occupations and income, good credit, and the ability to repay the principal and interest of the loan; 4. Some banks will ask for requesting The applicant has applied for the bank's credit card or borrowed the bank to the bank and the credit record is good; 5. Some banks also require the bank's recognized work mortgage or pledge, or the units or individuals who meet the prescribed conditions and have the ability to compensate for the compensation as the individual as a person as a person. Guarantee who repaid the principal and interest of the loan and bear joint responsibility.nAsk my income, it's okaynBut there is nothing mortgagenSome answers need to be mortgagednSome don't neednQuestionnAnswer as long as you have assetsn7 morenBleak

Loan target: In the rural credit cooperative service area, enterprises (affairs) legal persons, other economic organizations, individual industrial and commercial households or the nationality of the People's Republic of China with the nationality of the People's Republic of China with the nationality of the people's Republic of China are approved by the industrial and commercial administrative organ Natural persons can apply for loans from the local rural credit cooperatives. (2) Loan conditions: The borrower applys for loans, and the basic conditions such as the product have the market, the benefits of production and operation, the use of misappropriation of credit funds, and abide by the credit, and meet the following requirements: 1. Have the ability to repay the principal and interest on schedule Essence The interest should be basically settled in interest and expired loans; if there is no settlement, the repayment plan recognized by the lender has been made; ; 3. In the loan agency has opened a basic account or a general deposit account, and retains a certain amount of payment margin in the account; voluntarily accepts the supervision and inspection of credit and settlement of the loan agency, which can ensure regularly sending the loan club to operate operations. Plan and related businesses and financial statements; 4. If you apply for guarantee or mortgage loans, you must have a loan guarantor, loan mortgage or mass. Loan guarantors must open deposit accounts in rural credit cooperatives and have good economic and credit enterprises or economic entities. The loan mortgage must comply with the "Guarantee Law of the People's Republic of China" and relevant laws and regulations. In principle, the real estate (such as houses, land) should be the main characteristics, and it must be commodity and easy to monetize. 5. The borrower's asset -liability ratio shall not be higher than 70 %. 6. If you apply for fixed assets, real estate and other project loans, the owner of the borrower shall meet the requirements of the State Council, and shall submit a complete, standardized and effective documentation in accordance with the requirements of project management. 7. Except for the provisions of the State Council, the cumulative amount of limited liability companies and joint -stock equity investment in foreign shares does not exceed 50%of their net assets; Essence Rural credit cooperative loans are processed as follows: Loan application → loan investigation → loan review → loan approval → signing contract → loan issuance → post -loan inspection → loan recovery ....