Yes, the loan contract is notarized and enforced. In order to ensure that the debtor can repay the loan, one of the methods is that both parties reach a loan agreement on their legal lending behavior and issue a notarial certificate with enforcement effect. When the loan expires and the debtor refuses to repay it, the creditor may apply to the notary office for an enforcement certificate. Creditors will apply for enforcement of the enforcement certificate again, and their creditor's rights will be realized soon.
What's the use of notarization of bank loans?
1. What is the use of notarization of bank loans?
1. The involvement of the notary office is helpful for the parties to draft, modify and improve the contract, make up for the shortcomings of the relevant laws of the parties, review the legality and rationality of the contracts signed by them, avoid the occurrence of contracts, effectively prevent the occurrence of invalid contracts and stop fraud in time.
2. The notarization institution gives the loan contract execution effect, that is to say, notarizing the private loan contract and giving it execution effect is equivalent to the judgment effect.
Second, loans.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Third, the principle of loan.
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
What is the compulsory notarization of ICBC e-loan?
Compulsory notarization refers to owning local high-quality housing property rights and providing mortgage guarantee.
"E-to-fast loan" is an online loan in which the borrower takes high-quality real estate in a specific area as collateral and the loan funds can be used for daily production and operation. Online revolving loans for small and micro enterprises and small and micro enterprise owners are only used for reasonable production and operation. The specific areas include Dalian, Ningbo, Qingdao, Shenzhen and Xiamen. Please consult ICBC customer service for specific areas. It is recommended to pay attention to the local ICBC WeChat official account to understand the situation.
Applicable people: natural persons with full civil capacity, aged between 10 (inclusive) and 65 (inclusive), individual industrial and commercial households or small and micro enterprises as legal persons and their spouses.
Loan purpose: daily business turnover of the enterprise.
Mortgage method: Only high-quality real estate in local urban areas can be mortgaged, and the collateral must be a house with clear property rights under the names of the borrower (including spouse), parents and children.
Mortgage rate: no more than 70% of the appraised price.
Loan amount: the maximum amount of a single customer does not exceed 5 million yuan.
Loan term: the longest revolving line is 10 year, which is settled once a year and can be recycled.
Loan interest rate: the personal real interest rate is 4.05%, and the legal person real interest rate is 3.85%.
Loan expenses: All expenses are borne by the bank, and the borrower has no expenses.
Loan methods: one-time mortgage, system evaluation, intelligent loan review, revolving loan, on-demand loan and daily interest calculation.