Five kinds of loans are defined as:

Normal: The borrower can perform the contract, and there is no sufficient reason to suspect that the loan principal and interest cannot be repaid in full and on time.

Note: Although the borrower has the ability to repay the loan principal and interest at present, there are some factors that may adversely affect the repayment.

Secondary: The borrower has obvious problems in repayment ability, and cannot fully repay the loan principal and interest by relying entirely on its normal operating income. Even if the guarantee is implemented, it may cause certain losses.

Suspicious: the borrower can't repay the loan principal and interest in full, even if the guarantee is implemented, it will definitely cause great losses.

Loss: After taking all possible measures or all necessary legal procedures, the principal and interest are still unrecoverable, or only a small part can be recovered.

2. What is the five-level classification of credit cooperative loans?

The definition of five types of loans is: normal: the borrower can perform the contract, and there is no sufficient reason to suspect that the loan principal and interest cannot be repaid in full and on time. Note: Although the borrower has the ability to repay the loan principal and interest at present, there are some factors that may adversely affect the repayment. Secondary: The borrower's repayment ability cannot fully repay the loan principal and interest due to normal operating income. Even if the guarantee is implemented, the borrower cannot repay the loan principal and interest in full. Even if the guarantee is implemented, it will definitely cause great losses. Loss: After taking all possible measures or all necessary legal procedures, the principal and interest are still very small.

What is a three-level and five-level classification?

The five categories of loans are normal, concerned, secondary, doubtful and loss, among which the latter three are defined as non-performing loans by banks. This classification standard is based on the borrower's actual repayment ability. The five-level classification is based on dynamic monitoring, and the analysis factors include the borrower's cash flow, financial strength, collateral value and so on.

The meaning of the five-level loan is as follows:

1. Normal loan: The borrower can perform the contract and always repay the principal and interest normally. There are no negative factors that affect the timely and full repayment of loan principal and interest.

2. Pay attention to the loan: Although the borrower has the ability to repay the loan principal and interest, there are some factors that may adversely affect the repayment. If these factors persist, the borrower's repayment ability will be affected.

3. Subprime loan: The borrower has obvious problems in repayment ability, and cannot fully repay the principal and interest of the loan by relying entirely on its normal operating income. It needs to repay the interest by disposing of assets, financing externally or even implementing mortgage guarantee. The probability of loan loss is 30%-50%.

4. Suspicious loan: The borrower cannot repay the loan principal and interest in full. Even if the mortgage or guarantee is implemented, it will certainly cause certain losses. Only because of the borrower's reorganization, merger, mortgage disposal and pending litigation, the amount of loss is still uncertain, and the probability of loan loss is between 50% and 75%.

5. Loss loan: refers to the possibility that the borrower repays the principal and interest free of charge. No matter what measures are taken and procedures are performed, the loan is bound to be lost, or although a small part can be recovered, its value is negligible.

4. What is the basis for the five-level classification of loans?

A day overdue is not a bad record. According to the five-level classification standard of loans, loan forms are divided into normal, concerned, secondary, doubtful and loss, of which the first two are normal loans and the last three are non-performing loans. Obviously, the longer the overdue period, the worse the nature and the lower the form. The latest standards require that loans overdue for 90 days or more should at least be classified as sub-prime, that is, turned into non-performing loans.

Bank loan examiners don't judge a person's credit status entirely according to whether it is overdue, but also comprehensively analyze it according to the length of overdue time, the amount of overdue money, the number of overdue times, the types of overdue loans and so on. The detailed version of the credit report can clearly see the number of overdue days, and the examiner will understand at a glance that this is not a malicious overdue. It's also overdue. Operating loans overdue is more overdue than mortgage, and mortgage is more overdue than credit card.

Don't worry about your credit report, just keep timely repayment in the future, use your card rationally, avoid ups and downs of debt, don't frequently check personal credit reports, and don't cash out. It is not a problem to apply for a loan.