Mortgage loan: the amount is high (5-50 million yuan), the interest rate is low (2.85%-5.45% per annum), and the repayment is flexible (the principal and interest are repaid first, and then the principal and interest are equal). Credit loan: You can quickly lend money on the same day without mortgage guarantee, and the procedure is simple and convenient. Commercial loan: You can buy it from a normal commercial enterprise without checking the liabilities, and the procedure is simple. Wage loan: there is a stable source of income and repayment ability, and you don't check credit and liabilities.
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First, private lending is a common lending at present, characterized by simple procedures, generally withdrawing money on the same day, suitable for short-term turnover. Of course, private lending needs to meet the conditions of private lending the day before yesterday. Generally speaking, to have a stable job and income, a local ID card is enough. Private lending, including private lending, is a civil act, which is bound and protected by civil law and contract law. However, according to Article 211 of the Contract Law: "If the loan contract between natural persons stipulates to pay interest, the loan interest rate shall not violate the provisions of the state on limiting the loan interest rate". At the same time, according to the relevant provisions of "Several Opinions of the Supreme People's Court on People's Courts Handling Loan Cases": "The interest rate of private loans may be appropriately higher than that of banks, but the maximum interest rate shall not exceed four times that of similar loans of banks". Therefore, the principal of private lending is protected, and the interest that does not exceed 4 times the interest rate of similar loans of banks is also protected by law, and the excess is not protected by law.
Second, the capital price of usury refers to the monthly interest 1 yuan, 6 points is equivalent to the annual interest rate of 72%, 1 gross approach 120%, which is 5. About 3 1% bank loan (annual) interest rate is at least 4 times higher than/kloc-0. The monthly interest rate of 10 cent is 120%, and the current annual interest rate of bank loans is 5. 3 1%(2008- 12-23 loan interest rate). The monthly interest of ten cents (10%). 10× 12= 120%。 Private lending is actually private lending. In fact, as long as the parties reach an agreement on lending and do not violate the law, this lending behavior is considered effective. However, if interest is agreed in the process of lending, we should pay attention to not agreeing too high, otherwise it will constitute usury, and then the law will not protect it.