Risk assessment requirements are different from loan interest rates.

1. The risk assessment of mortgage purchase only needs to focus on the borrower's credit ability, while M&A loan is more important to conduct detailed due diligence risk assessment on the target enterprise.

2. The interest rate of house purchase loan is low, and the interest rate of M&A loan is high.

Significance of equipment purchase loan

1. First, the RMB loan granted by the lending bank to the borrower for purchasing small equipment required for production and business activities.

2. Secondly, further expand the effective investment in manufacturing industry and create a good financial environment for the high-quality development of county economy.

3. Finally, it is of great significance to stabilize the economic market, boost investment and expand consumption, reduce the financing cost of enterprises, stimulate the vitality of market players and enhance the development potential.

What is a personal housing loan?

Personal housing loan refers to the loan issued by the bank to the borrower for purchasing ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loan business is one of the main asset businesses of commercial banks. He refers to the loans granted by commercial banks to borrowers who buy houses for the first time (that is, houses developed and built by real estate developers or other qualified developers and sold to individuals). (1) The full name of personal housing entrusted loan is personal housing guarantee entrusted loan, which refers to the personal housing loan entrusted by the housing fund management center to commercial banks by using the housing provident fund. Housing provident fund loan is a policy personal housing loan, on the one hand, the interest rate is low; On the other hand, it mainly provides such loans to low-and middle-income workers who pay the provident fund. However, because the interest difference between housing provident fund loans and commercial loans is above 1%, both investors and ordinary people who buy houses and live in their own homes are more inclined to choose housing provident fund loans to buy houses. (2) Personal housing self-operated loans are loans granted to individual buyers with bank credit funds as the source. Also known as commercial personal housing loans, personal housing secured loans. (3) Personal housing portfolio loan refers to the loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans. Interim Measures for the Administration of Personal Loans Article 11 Interim Measures for the Administration of Personal Loans Article 12 Interim Measures for the Administration of Personal Loans Article 13