At present, the operating loan interest rate of many banks has been lowered to the lowest 3.4%-3.8%, and a few banks can even give some high-quality corporate customers a preferential interest rate of around 3%. The spread between mortgage interest rate and operating loan interest rate has made many intermediaries see "business opportunities". "Mortgage replacement, 5 million loans 10 year saves millions of interest", "the lowest interest rate is 3.4%, which is fast and high". Recently, many mortgage customers have received sales calls from financial intermediaries to persuade them to convert mortgages with higher interest rates into commercial loans with lower interest rates, thus saving a lot of interest. Is that really the case? Phenomenon promotes intermediary loans to operate loan business. As the name implies, operating loans are loans issued to meet the needs of business activities. It is understood that with the increasing support of the state for small and micro enterprises and the gradual decline of the loan market quotation (LPR), the operating loan interest rates of many banks have been lowered to the lowest 3.4%-3.8%, and a few banks can even give preferential interest rates of around 3% to some high-quality corporate customers. Although most personal mortgage loans are linked to LPR and priced by adding points to LPR, the bonus range of existing mortgage customers has been fixed in the mortgage contract. Therefore, many customers who took out mortgages in the previous two years still have a mortgage interest rate of 5.5% or even 6%. The price difference between the two has made many intermediaries see "business opportunities" and claim to provide "one-stop" services. Because the operating loan is a loan product for enterprises, the lender must have a company under its name. "Manager Wang" also stressed that after the loan comes down, it cannot be directly credited to the customer's own account, and there must be a "third party", that is, a supplier who needs docking, to conduct business activities such as purchasing raw materials. "The third party will put the money into your account after receiving the loan." Such "thoughtful" service is definitely not free. "Manager Wang" said that their charging standard is 65438+ 0%-2% of the loan amount, which will be different according to the actual difficulty of each case. If a third party is involved, it may be charged separately, usually 0.5%. The daily interest rate of bridge funds is generally one thousandth. Dangerous chemical enterprises need to renew their loans regularly. In fact, many practical cases show that customers who replace mortgage loans with operating loans will face many policy and legal risks. Most intermediaries don't tell customers all the risks. In 2020, Mr. Shu, a citizen of Shenzhen, applied for a down payment of 2 million yuan with the second-hand house mortgage under his own name under the management of the intermediary. At the beginning of August last year, he suddenly received a notice from the bank, demanding to pay off all illegal loans within 30 days, otherwise he would not only default interest, but also enter the list of untrustworthy. Mr. Shu's house will not be sold for a while, and he doesn't have that much spare money. In desperation, he can only borrow high-interest bridge funds to repay the loan. Faced with the interest of nearly 2,000 yuan per day, coupled with the difficulty in selling second-hand houses, Mr. Shu said that his life is like a year. Finally, I had to sell the second-hand house at a reduced price. In addition, most banks will require to operate loan customers for one or three years, at most once every five years. The lower the interest rate, the shorter the renewal interval. Every time the loan is renewed, the bank will also review the loan qualification and operation of this enterprise in accordance with the procedures. Banks will not guarantee the success of loan renewal, nor will they guarantee the same interest rate as before. Lenders are under greater pressure. Many banks will ask for repayment of the principal when they renew their loans, and then issue new loans after the successful renewal. This means that customers are likely to find intermediary bridging funds for emergencies. Some bankers said that in the past two years, affected by the epidemic, in order to support the real economy, small and micro enterprises that operate normally can basically renew their loans without capital. Many people will think that operating loans are very loose. If the policy changes in the future, the preferential and convenient conditions will be gone, and the loan interest rate may also become higher. These are all policy risks that borrowers must consider. Remind of fraud or criminal responsibility in loan application. From the intermediary's "one-stop" service, lawyer Xu Guilin, a partner of W Beijing Times Jiuhe Law Firm, said that, for example, loans for operating loans do not directly enter my account. In case there is a dishonest third party, or something happens to the third party, you may not get the money or get the money. In addition, if there is a problem with the bridge funds provided by the intermediary, the lender will not only get the money, but also get into debt. Xu Guilin reminded everyone that the most serious consequence of looking for an intermediary to package business loans is not money loss or personal credit loss, but "imprisonment." If borrowers and loan intermediaries resort to fraud in the process of applying for loans, causing bad debts to banks, which may be suspected of fraudulent loans, banks can call the police and pursue criminal responsibility. It is understood that China's "Criminal Law" stipulates that whoever obtains bank loans by deception, causing heavy losses to banks or other serious circumstances, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and fined; Whoever causes particularly heavy losses to banks or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and fined. According to the judicial interpretation, if the loan amount is more than 6,543,800+0,000, and the loss to the bank is more than 200,000 yuan, a case can be filed. Related Q&A: The bank loan is 654.38+10,000 yuan. How much interest does it cost a year? The amount of loan interest mainly depends on the actual loan interest rate implemented by the bank. The higher the loan interest rate, the more interest the borrower needs to pay. 1. If the bank loan interest rate is based on the benchmark interest rate, then the annual loan interest is1000004.35%1= 4350 yuan; 2. If the bank interest rate rises 10% and the interest rate is 4.785%, then the annual interest of the loan is100004.785%1= 4785 yuan; 3. If the bank's interest rate rises by 20% and the interest rate is 5.22%, the annual interest of the loan of 65438+1 000005.22%1= 5220 yuan; 4. If the bank's interest rate rises by 30% and the interest rate is 5.655%, then the annual interest of the loan of 65438+ 1 100 million is:1000005.655%1= 5655 yuan. When you apply for a loan from a bank, the first thing to talk about is the loan interest. Loan interest is one of the main sources of income for banks and one of the important links to maintain their operation. Each borrower's comprehensive qualifications are different, and the loan interest rate applied for will be somewhat different. What is the annual interest rate of bank loan 1 10,000? How much is 654.38+ ten thousand yuan for five years? What is the annual interest rate of bank loan 1 10,000? Assuming that the annual interest rate of the loan applied by the borrower is 4.35, the loan principal is 6,543,800 yuan, and the one-year loan interest is1000014.35% = 4,350 yuan. Borrowers choose different repayment methods, so there will be some differences in loan interest. Matching repayment method of principal and interest: monthly repayment amount = [loan principal × monthly interest rate ×( 1 interest rate )× repayment months ]=[( 1 interest rate )× repayment months]. The loan is 654.38 million yuan, and the total interest that the borrower needs to repay is 8588.27 yuan, and the total accumulated repayment amount is 103059.22 yuan. If equal principal repayment is selected, the monthly interest payable = loan principal × monthly interest rate × [( 1 interest rate )× repayment months -( 1 interest rate) (repayment month serial number-1)]⊙[( 1 interest rate )× repayment months. The loan is 6,543,800 yuan, the total accumulated interest is 8,800 yuan, and the total loan repayment is 654.38+ 003033.33 yuan. How much is 654.38+ ten thousand yuan for five years? The loan is 654.38 million yuan, which will be paid off in five years, and the interest is about 19537.46 yuan. The monthly principal and interest payable is: 1875.69 yuan. If it is average capital, the interest paid in 1 month is: 395.83; The first 1 month principal repayment is:1479.86; Since then, the monthly interest repayment amount has decreased and the principal has increased. But the above is only a theoretical calculation method, and it also needs to look at the debt, credit information and income of each borrower. The specific loan interest can only be calculated by knowing the specific loan interest rate.

Second, what are the risks of lending?

There are risks.

3. What are the risks of heart valve replacement?

The risk of simple heart valve replacement is about 3%, which mainly depends on the patient's condition and operation time. If the heart cannot tolerate surgery or complete cardiac reconstruction, the risk of poor cardiac function recovery and pulmonary hypertension will increase. Patients with valvular heart disease should be reviewed regularly and operated at the right time. If the timing is right, the risk of operation is small; If the disease develops to advanced and severe valvular disease, the risk of operation and perioperative period will increase.

4. What does loan replacement mean?

Housing replacement loan is a way of buying a house in which the person who wants to apply for a loan mortgages the first mu of real estate owned by himself or a third person to the bank, and then obtains a loan according to a certain proportion of the bank's evaluation price to pay the down payment of the house mortgaged by the bank.

I. Basic concepts

Loan refers to a kind of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them, that is, interest-bearing loans. 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 from this and increase the accumulation of imitation rent banks themselves.

Second, the principle of sex

"Three natures" refers to safety, liquidity and efficiency. Article 4 of the Law of People's Republic of China (PRC) Commercial Bank stipulates: "Commercial banks shall operate independently and restrain themselves with 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 according to the predetermined period or realize it quickly without loss of land.

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.

Third, student loans.

As a leading consumer credit information service enterprise and student loan project enterprise in China, Lirong.com can easily solve the tuition problem of MBA students. MBA freshmen only apply for low-interest student loans of10-200,000 yuan. If the principal and interest are matched, and the monthly interest is as low as 0.7%, MBA students can apply to the school for a national student loan with lower interest to repay their tuition. In this way, as long as the borrower indicates the pre-service interest at the time of application, that is, to repay this form of student loan first, the national student loan applied for in September will generally arrive in February of the following year, so that MBA freshmen will not have to worry about it once, and they can easily repay it through student loans.