The basic information that a loan needs to know is as follows:

1. Loan handling bank information; 2. Loan conditions and procedures; 3. Interest rate; 4. Time limit; 5. Repayment method and time; 6. Provisions on prepayment.

Many people need it urgently and will want to solve it through loans. However, not everyone can get loans smoothly, and some people choose loan products that do not meet their qualifications. To this end, personal loans do not want to step on the pit, we must find out what kind of loans are suitable for our qualifications.

Personal loans: Although many banks and financial institutions offer different loan products at present, as long as they are personal loans, they can be classified according to the guarantee conditions and loan purposes.

1. Guarantee conditions: it can be divided into credit loans and secured loans.

1. Credit loan is a kind of loan based on the lender's personal credit without mortgage guarantee, like many online loans in the market, such as, borrowing money, recruiting a good term loan, and bank credit loans, such as e-lease loan and e-finance loan.

2. Secured loans can be divided into mortgage loans, mortgage loans and portfolio secured loans, and certain assets are needed as collateral or guarantor.

Second, the use of loans: there are three common types of personal housing loans, personal business loans and personal consumption loans, as well as some agricultural loans and national student loans.

1. Personal housing loans: These loans are all offered by banks, including commercial loans, provident fund loans and portfolio loans. If subdivided, it can also be divided into primary housing loans and secondary housing loans.

2. Personal business loans: generally used for individual businesses, such as business owners, corporate legal persons and self-employed individuals.

3. Personal consumption loans: There are many types, such as car purchase loans and decoration loans. Because these loans are earmarked, proof of loan use is required.

What questions should a bank loan ask?

1. First ask what kind of loan you need to apply for, mortgage loan or credit loan;

2. If you apply for a credit loan: Do you work? How much is the punch card salary? Have you paid social security and provident fund? What is the base of social security payment? What occupation? How about credit reporting? Do you own a house or a car? Do you pay commercial insurance? Loan purpose, loan term, repayment source, age, etc.

3. If you apply for a real estate mortgage loan: is it all commercial housing? Location, area, orientation, floor, decoration, room age, etc. Do you work? How much do you earn? Loan purpose, loan term, repayment source, age, etc.

I hope my answer is helpful to you!

What does the enterprise loan interview ask? Summary of five core issues that must be seen before lending!

At present, when enterprises apply for loans from banks, financial institutions or loan companies, they will basically go through the interview process, and many legal persons will be at a loss. In order to help enterprises improve the success rate of applying for loans, the following are five core questions in the interview. Let's know in advance.

I. Introduction of Legal Representative and Company

1. Because the legal person lends money on behalf of the company, it will ask the name, working hours, major shareholders, shareholders' shares, financial controller, etc.

2. Company introduction. Nature of the company (limited liability company, sole proprietorship enterprise, partnership enterprise), registered capital of the company, main business, industry status, main suppliers and customers, main contracts, and existence of laws.

Second, repayment ability.

Individuals and enterprises must have sufficient repayment ability, and bank interviews will also focus on these contents.

The main problems are: the main source of repayment funds, the second source of funds, cash flow, income, profit, total capital and guarantor.

Three. hostage

General corporate loans can only be handled by providing collateral, but some credit or other types of collateral are not needed, and no questions about collateral will be asked during the interview.

With these questions about collateral, what collateral can be provided, where it is, whether it is easy to be damaged, what authority is needed to use collateral, how to evaluate its value, and whether personal assets are used as collateral.

Fourth, the relationship between customers and banks.

Many banks require enterprises to open settlement accounts in their own banks and have certain business dealings, so the success rate of loans will be higher, so they will simply ask some relevant contents.

Common questions include which banks the company has business dealings with now, which banks it has applied for loans from, why it chose this bank, whether it has outstanding loans, and the amount and duration of the loans.

Verb (abbreviation for verb) loan requirement

During the interview, the loan officer will ask you about your loan requirements carefully. The loan amount and term of some enterprises do not match their qualifications, and the loan officer will suggest a more suitable scope, which can help enterprises improve the success rate of applying for loans.

The problems involved are: how much to borrow, how to calculate this value, what will be the future loan demand, and what is the purpose of the loan.

In short, the interview is a necessary process before applying for a corporate loan. Credit officers are experienced and know the loan products very well, so we should actively communicate with them and formulate the most suitable loan for them.

Let's stop here for the introduction of what questions should be asked about loans.