1, loan subject and loan purpose are different: the most obvious difference between commercial loans with real estate mortgage and personal consumption loans is that the loan subject and loan purpose are different. From the perspective of loan subjects, the subjects of business loans of enterprises are generally legal persons, shareholders or senior managers of enterprises, while the subjects of personal consumption loans of real estate mortgages are relatively broad, and individuals who meet the conditions of bank loans can do it. From the perspective of loan purposes: operating loans are generally loans that enterprises apply for from banks by mortgaging real estate when they encounter difficulties in operating and financing, and are used to purchase equipment, raw materials or expand factories. , and need to provide proof materials for the relevant purposes of the enterprise; Personal consumption loan with mortgage of real estate is a loan that the owner applies to the bank through mortgage of real estate when he has personal consumption demand, and he needs to provide relevant proof of consumption purpose, such as decorating the house, buying a car, studying abroad and buying bulk commodities. However, there are also some credit card consumer products of banks, which do not need to provide proof of consumption purpose, but require higher qualifications for borrowers.
2. The focus of bank assessment is different: another obvious difference between commercial loans with real estate mortgage and personal consumption loans is that the focus of bank assessment is different. Enterprise qualification: For business loans, the bank's assessment focuses on the enterprise's qualification and operating conditions, and requires the enterprise to provide qualification certificates such as business license and articles of association, as well as the financial statements, bank flow, operation or financing purposes of the enterprise in the past 65,438+0-3 years. On the contrary, banks generally have low requirements for the mortgagor's bank credit information. Even if the mortgagor has many overdue records, as long as there are no major problems in the qualification and operating conditions of the enterprise, he can still apply for operating loans. Personal qualification: There is a big difference between the assessment items of mortgage consumer loans and commercial loans. Consumer loans pay more attention to the borrower's personal qualifications and credit information. If the borrower's bad record exceeds the upper limit required by the bank during the year, even if he has good repayment ability, he may face the dilemma of the bank refusing to sign or raising the loan interest rate.
3. Different loan policies: Another difference between enterprise operating loans and mortgage consumer loans is that bank loan policies are different, and enterprise operating loans have short service life and high interest rates; Personal consumption loan mortgaged by real estate has a long life and low interest rate. From the perspective of loan life: because the payback period of commercial loans is generally short, the longest loan life of banks is usually five years, while personal consumption loans mortgaged by real estate are generally used for daily consumption of individuals or families, and the repayment ability of individuals is much lower than that of enterprises, so the loan life of mortgage consumption loans is longer than that of enterprise loans, with the longest loan life of 65,438+00 years. From the perspective of loan interest rate: the minimum interest rate of enterprise operating loans is 20% higher than the benchmark interest rate; The interest rate of mortgage consumer loans is slightly lower than that of commercial loans, with the lowest loan interest rate of 15% and the highest of 25-30%.
4. Different ways of bank lending: Different ways of bank lending are also the differences between commercial loans mortgaged by real estate and personal consumption loans. The bank adopts the method of entrusted payment for operating loans, that is, the money must be paid to the third-party account in the materials for business purposes; Compared with commercial loans, personal consumption loans with real estate mortgages are slightly more flexible. If the personal consumption is below 300,000, the bank can directly transfer the mortgage to the borrower's account, and the bank only requires the loan amount to be above 300,000 before transferring it to a third-party account.
Second, the difference between personal consumption loans and business loans?
1. Loan: The obvious difference between commercial loans and real estate loans lies in the different loan subjects and purposes. The subject of payment is generally the legal mortgage of the enterprise, while the subject of personal consumption loans is relatively broad, and individuals who meet the conditions of bank loans can do it. From the perspective of loan use: once an enterprise's operating loan passes the mortgaged property, it applies to the bank to buy it for the enterprise and provide relevant use certification materials; When people who own houses have personal consumption needs, they need to provide relevant proof of consumption purpose when applying for loans from banks through mortgaged properties, such as decorating houses, buying cars, studying abroad, credit card products of some banks, etc., but they don't need to provide proof of consumption purpose, but they have higher qualifications for borrowers.
2. The focus of bank assessment is different: the difference between commercial loans and real estate loans lies in the different focus of bank audit. Enterprise qualification: the focus is on the qualification and operation status of the enterprise, which requires the enterprise to provide business license, articles of association and other qualification certificates, as well as the financial statements of the enterprise in the past 65,438+0-3 years, and the running, operation or financing purposes of the bank. The general requirements are not high. Even if the mortgagor has many overdue records, the enterprise can still apply for operating loans as long as there are no major problems in its qualifications and operating conditions. Personal qualification: The assessment items of bank loans are quite different, and consumer loans pay more attention to quality and credit reporting. If the borrower exceeds the upper limit required by the bank, he may face the dilemma that the bank refuses to lend or raises the loan interest rate.
Another difference between loan and mortgage consumer loan is that the bank loan policy is different, the enterprise loan period is short, the interest rate is high and the interest rate is low. Generally speaking, from the perspective of loan term, the cycle of capital recovery is short, so the longest loan term of a bank is usually 5 years, while the mortgage loan for personal consumption property is generally much lower than that for personal or family use, so the term of mortgage loan is longer than that of corporate loan, and the longest loan term is 10 year. Judging from the loan interest rate, the lowest interest rate of enterprise operating loans is the benchmark interest rate, which is slightly lower than that of enterprise operating loans. The loan interest rate is the lowest 15% and the highest is about 25-30%.
The different ways of bank lending are also the differences between commercial loans and personal consumption loans mortgaged by real estate. The bank uses the third-party account in the information of the enterprise's loan business; Compared with commercial loans, personal consumption loans with real estate mortgages are slightly more flexible. If the personal consumption is below 300,000, the bank can directly transfer the mortgage to the borrower's account, and the bank only requires the loan amount to be above 300,000 before transferring it to a third-party account.
3. What is the difference between personal consumption loans and business loans?
First, the handling subjects are different.
Mortgage loan subjects: individual merchants, legal persons, shareholders, senior executives and other related parties directly involved in business activities;
Person who handles mortgage consumer loans: individual.
Second, loans are used for different purposes.
Mortgaged commercial loans are used for commercial purposes;
Mortgage consumer loans are mainly used for personal consumption.
(It is clearly stipulated by the bank that the funds are earmarked for special purposes. If the business loan or consumer loan is used for other purposes, the credit line may be cancelled or full repayment may be required in advance. )
Third, the term of operating loans is longer than that of consumer loans.
Mortgage commercial loan is a loan provided for enterprise development, and the longest term of mortgage commercial loan is 20 years;
The target group of mortgage consumer loans is individuals, so the longest service life is only 10 years.
Four, the operating loan amount is higher than the consumer loan.
Mortgage loans can reach up to tens of millions;
The maximum loan amount of mortgage consumer loans is basically around one million.
5. Different business processing materials and processes
Mortgage business loans need to provide business license, tax bill/running water, business situation, collateral proof and other information. , and the credit requirements for lenders are slightly lower.
To apply for mortgage consumer loans, you need to provide personal proof materials, income, personal credit information, collateral proof, etc. You can get a loan without any problem.
Sixth, the interest rate difference
In fact, the interest rate of mortgage loans is not much different from that of current mortgage loans.
4. What is the difference between commercial loans and mortgage consumer loans?
Under the double squeeze of restricting purchases and loans, the overall transaction volume of the Beijing mortgage market declined significantly in the first half of the year. According to the statistics of Jia Wei Anjie, compared with the first half of last year, the decline was as high as 40%. However, in the non-trading loan market, the trading volume of commercial loans and mortgage consumer loans is basically the same. However, many customers are confused about commercial loans and mortgage consumer loans, and do not understand the difference between these two loan products:
The loan subject is different from the loan purpose: business operation VS personal consumption.
The most obvious difference between commercial loans and mortgage consumer loans is that the loan subject and purpose are different:
From the perspective of loan subjects, the subjects of commercial loans are generally legal persons, shareholders or senior managers of enterprises, while the subjects of mortgage consumer loans are relatively broad, and individuals who meet the conditions of bank loans can do it.
From the perspective of loan purposes: operating loans are generally loans that enterprises apply for from banks by mortgaging real estate when they encounter difficulties in operating and financing, and are used to purchase equipment, raw materials or expand factories. , and need to provide proof materials for the relevant purposes of the enterprise; Mortgage consumer loans are loans that homeowners apply to banks through mortgaged properties when they have personal consumption needs, and they need to provide relevant proof of consumption purposes, such as decorating houses, buying cars, studying abroad, buying bulk commodities, etc. However, there are also some credit card consumer products of banks, which do not need to provide proof of consumption purpose, but require higher qualifications for borrowers.
Loan policies are different: short service life, high interest rate VS long service life and low interest rate.
Jia Wei Anjie pointed out that another difference between commercial loans and mortgage consumer loans is that bank loan policies are different:
From the perspective of loan life: because the payback period of commercial loans is generally short, the longest loan life of banks is usually 5 years, while mortgage consumer loans are generally used for daily consumption of individuals or families, and the repayment ability of individuals is much lower than that of enterprises, so the loan life of mortgage consumer loans is longer than that of enterprise loans, and the longest loan life is 10 years.
From the perspective of loan interest rate: the minimum interest rate of enterprise operating loans is 20% higher than the benchmark interest rate; The interest rate of mortgage consumer loans is slightly lower than that of commercial loans, with the lowest loan interest rate of 15% and the highest of 25-30%.