Commercial loans are loans used to supplement the working capital of industrial and commercial enterprises. Generally, they are short-term loans, with a term of 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 to provide loans for urban residents to purchase ordinary housing for their own use, and the legal loan interest rate is implemented.
Personal housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, it refers to the commercial housing loan that a natural person with full capacity for civil conduct applies to the bank for repayment of the loan with the purchased property housing (or other guarantee methods recognized by the bank) as collateral when purchasing the urban self-occupied housing in this city. Mortgage loan is a kind of commercial loan.
Personal housing commercial loan is a kind of loan that China citizens apply to the bank to buy 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, there is an agreement between the house seller and the loan bank, and the real estate guarantee enterprise will 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 guarantee institutions at the end of the statistical period.