Briefly describe the characteristics of each type of loan in the five-level classification of commercial bank loans? Can you have a detailed answer?

Loans are categorized as normal, concern, substandard, doubtful, and loss according to the degree of risk, and substandard, doubtful, and loss are non-performing loans.

Normal loans

The borrower is able to fulfill the contract, can normally repay the principal and interest, there are no negative factors affecting the principal and interest of the loan and the full repayment, and the bank is fully confident that the borrower will repay the principal and interest of the loan in full and on time. The probability of loan loss is 0.

Loans of Concern

Although the borrower is capable of repaying the principal and interest of the loan, there are some factors that may adversely affect the repayment, and the probability of loan loss will not be more than 5% if these factors continue and the borrower's ability to repay is affected.

Subprime Loans

The borrower's repayment ability has obvious problems, and relying solely on its normal business income cannot fully repay the principal and interest of the loan, and it needs to dispose of its assets or raise external financing or even execute collateralized guarantees in order to repay the loan and pay the interest. The probability of loan loss is 30%-50%.

Doubtful loans

The borrower is unable to repay the loan principal and interest in full, and even if it executes the mortgage or guarantee, it will cause a part of the loss, just because there are pending factors such as the borrower's reorganization, merger, consolidation, disposal of collaterals and pending litigations, the amount of loss is not yet certain, and the probability of loss of the loan is in the range of 50%-75%.

Loss loans

means that the borrower no longer has the possibility of repaying the principal and interest, no matter what measures are taken and what procedures are performed, the loan is destined to be lost, or although a very small portion of it can be recovered, its value is so small that, from the bank's point of view, there is no sense and no need to keep it as a bank's asset in the books, and for this type of loan, after the fulfillment of the necessary legal procedures should be written off immediately, with a probability of 75%-100% of their loans being lost.

This answer is provided by Money Flowers, and I hope it will be helpful to you. As a credit brand of Du Xiaoman Finance (formerly Baidu Finance), Qianhua brings users convenient, fast and safe Internet credit services, with a maximum borrowing amount of 200,000 yuan.

What are the better loans to pass, introduce?

Yu Wanjin, Cao Ran Dangjia, Hua Kuo, Tong Tong Wallet, Xiaomi Lai Wallet, Yunhe Wallet, we suggest to use the "rich flower" APP for loans, "rich flower" credit software approval speed, can be repaid in installments!

The "Money Flowers" is the original Baidu financial credit service brand, using artificial intelligence and big data risk control technology, to bring users convenient, fast, safe Internet credit services. Online can directly apply, no collateral, simple application materials, the fastest 30 seconds approval, the fastest 3 minutes disbursement, installment repayment, early repayment, the interest rate is determined by the system based on the user's comprehensive situation, the lowest as low as 0.01%, the specific to the line of credit after the application is successful App home page display shall prevail.

Dry goods to share the five major loan notes, have you learned?

1, the cell phone number needs attention!

The cell phone number must be a real name.

The cell phone number must be used for more than six months.

There can be no previous indebtedness to the three major carriers.

The cell phone number must have been in use for a normal period of time.

2. The authenticity of the loan information!

Applying for a personal consumer loan, the borrower needs to provide all kinds of lending institutions require real documents, such as most of the lending institutions will require all kinds of relatives contact information, etc., this information must not be false, according to the majority of institutions statistical data on the authenticity of the doubt is a major reason why the loan was rejected!

3, the phone call back is very important!

The credit card should be clear, after you submit the application information, the bank will have a phone call back, the main purpose is to determine the authenticity of the information. In fact, in the process of applying for a loan, there is also a telephone call back to such a link, but many people have been ignored. The first thing you need to do is to make sure that you have a good understanding of what is going on in your life and how it will affect your life!

The reason why lending institutions make phone calls is to determine the authenticity of the information submitted by the borrower. If the bank through the phone call back to understand the situation and the borrower to provide information on the situation does not match, then the bank will certainly question the borrower's character and the situation, the light is to make your road to the loan exceptionally hard, or simply do not give you approval.

4, value personal credit!

With the improvement of the personal credit system, its data has not been limited to credit records and other traditional operational categories, attention gradually turned to provide comprehensive social data services in the business field. Therefore, more and more lending institutions have been through various types of credit agencies to compare the loan applicant's "credit" situation, once included in the "credit blacklist", the stain is difficult to eliminate, please cherish personal credit.

5, work-related information requirements

Some high-risk industries are very difficult to apply for, you can only think of other ways oh. These are high-risk industries: coal mines, building construction industry, hazardous chemicals industry, flight crews, etc.

Fill in the job is best to work for more than six months. Salary flow, proof of work, business cards, work cards are all work-related information that can be submitted on is certainly helpful.

The above five dry points, mastered well can increase the success rate of the loan oh, you learned?

Additionally, we must choose a formal lender when choosing a lender.

3 common loan programs, do you understand?

Nowadays, the loan to buy a car has been the main way to buy a car for most young people, and there are all kinds of loan programs in 4S stores, and they will be marketed according to the actual situation of the car buyer. But in the convenience at the same time also increased the difficulty of their choice. Many friends who want to buy a car do not know much about auto loans, and can only listen to the 4S store when buying a car, they are always in a very passive position. Today, the division and your friends talk about how to choose a loan to buy a car program? What are their advantages and disadvantages?

1, interest-free loans

4S stores manufacturers finance only interest-free loans, other loan companies are not, from the side of the car buyer's requirements is relatively high. So what exactly are the conditions that must be met in order to qualify for an interest-free loan from the manufacturer's finance?

The first point, there must be good qualification conditions, can pass the audit of the financial company. The second point, the car price down payment amount to reach the provisions of the interest-free loan (manufacturers of financial for interest-free loans are clearly defined, the down payment amount must be 50% -70% of the car price in order to enjoy, and interest-free time is generally 1 ? to 2 years). For interest-free loans, you must have a sufficient budget and can choose if you need money for working capital in the near future.

Advantages: For some moderately priced and high models is a very good choice, interest-free loans can save 10,000 - 20,000 interest money. You can save interest money and still come up with money for investment turnover.

Disadvantages: the audit is difficult, the down payment amount accounts for more, the repayment cycle is shorter than the ordinary loan time, for the average person is slightly more pressure.

2, subsidized loans

Subsidized loans, as the name suggests, is that you pay a portion of the interest yourself, and the financial company then pay a portion of the interest. This type of loan in the manufacturers of financial and various types of bank finance, but the division suggests that the choice of manufacturers of financial subsidized loans the most cost-effective, the policy is more powerful than the bank.

Loan programs in the discount loan is also a very popular one, but it is also the second most difficult to review after the interest-free loan. Discounted loans can be as low as 15-40 percent down, and the minimum loan period is always three years, which can give consumers enough time to work out their money.

Subsidized loans are a good option for those who are short on budget but in a hurry to use a car, but it is important to choose the best down payment percentage and loan period within your means.

Pros: Discount loans are slightly less difficult to qualify for, less stressful in terms of down payment amount and monthly payments, and longer loan periods.

Disadvantages: The subsidized loan still has some interest, and the longer the loan period, the higher the interest rate. Although the subsidized loan can be the lowest down payment, it is difficult to pass.

3, fast loan

fast loan in the manufacturers of finance, bank finance, leasing companies widely available, they all have a *** with the same characteristics is the loan audit difficulty is low, fast release. The main service object of quick loan is the people who are poorly qualified and cannot meet the requirements of interest-free and discounted interest in some aspects. They are purely want to buy a replacement car, the car purchase budget is generally in the 30,000-100,000, and the down payment of the quick loan can be as low as 20% of the price of the car, and the repayment time is 2 years -3 years.

Advantages: The low requirements, fast audit speed and small down payment amount of quick loan are very suitable for the people who are not qualified but want to buy a common mobility scooter.

Disadvantages: fast loan interest is high, and choose fast loan vehicle will be forced by the loan company to install GPS.

Last nagging sentence, new and old drivers please get on the car. Now there are many types of auto loans, in the loan to consult the sales consultant in detail, buy a car within their means, and combine their actual situation to choose the loan program.

Follow the division, later there are more car maintenance class knowledge to share, thank you!

Note: The picture is from the network, the rights of the original author, and thank you!

This article comes from the author of the automobile home car family number, does not represent the views of the automobile home position.

What are the formal online lending platforms?2022 Formal Platforms Top Ten

Top Ten Formal Lending Platforms in 2022

1. Ping An HP

HP is a subsidiary of Ping An Insurance Group, which focuses on the provision of loans, guarantees, and consulting services. The company mainly provides high-quality loan services for ordinary salary earners, self-employed businessmen and other people, and is very trustworthy to customers.

2. Yixin P&P

Epuhui is a professional and convenient comprehensive financial service platform under the banner of Yirenjinke, which mainly provides personal loans, vehicle and real estate mortgages for ordinary salaried people, small and micro-enterprises owners and other people.

3. Microparticle Loans

Microparticle Loans is a small credit loan platform launched by MicroBank in 2015. Not only does it not require collateral and guarantee, but also has fast payback and low interest rate. The daily interest rate is only 0.02%-0.05%, and it has been launched on the mobile QQ platform and WeChat platform.

4. Ant Chanting.

Borrowing is a loan service launched by Alipay platform. The condition for users to apply for a loan is that their Sesame Credit Score must be above 600 points, and the amount they can apply for varies according to their score, ranging from 1,000-300,000 yuan. Trusted by many users, it is safe and reliable.

5. Yiren Loan

Yiren Loan is an online financial service platform launched by Yixin in 2012, which mainly provides all kinds of loan services. Users can complete the whole process of loan operation just on their cell phones.

6. Jingdong Jinjiao

Jingdong Jinjiao is a formal platform under the Jingdong Group, focusing on providing loan services for users. It is trusted by the majority of users because of its insecurity and fast arrival. You can pay back the loan or pay back in installments.

7. Baidu money flower.

Baidu You Hua Hua is a professional platform that provides financial credit services under DuMan Finance. It is committed to providing the public with convenient and fast personal credit services, characterized by high credit limit, fast payment and strong security. Among the many online lending platforms, there is money to spend or very reliable.

8. Suning Renxin Loan

Suning Renxin Loan is a formal loan platform under Suning Finance, which is committed to providing financial services for individual users for purposes such as renovation, education, and travel. The fastest 20 seconds to the account, the maximum amount of 200,000 yuan.

9. Jiexin Consumer Finance

Jiexin Consumer Finance is a platform under the Czech Republic's Jiexin Group, which focuses on providing consumer financial services, and is committed to providing users with safe, convenient, efficient and trustworthy consumer financial services.

10.360 Lending

360 Lending is a personal microcredit platform of 360 Group, which is committed to providing safe, professional and convenient financial services for major social groups, and grants different credit limits according to the credit status of users.

What loan products does Minsheng Bank have? What are the features of each?

We all know that there will not be only one of the various loan products issued by banks in general. Many people are not aware of the specific loan products of the bank, resulting in the application of loans do not know which kind of loan. After understanding clearly, you will be able to quickly find their own needs, the best loan application preparation. Today to tell you, Minsheng Bank has what loan products, they have what characteristics?

Personal home mortgage loan

Like other banks, Minsheng Bank also provides home mortgage loan, and also subdivided into: primary home mortgage loan, second-hand home mortgage loan, supporting parking space mortgage loan.

Product features: longer loan tenure and higher credit limit; flexible repayment options; fast and convenient repayment channels; and a number of value-added services to show your honor.

Personal Auto Consumption Loan

In addition to home mortgage loans, Minsheng Bank also provides personal auto consumption loans, which can be used for personal loans for purchasing automobiles.

Product features: long loan tenure and high credit limit; flexible loan options, which can be applied through our cooperative dealers or our branches; fewer loan formalities, quicker approval and timely disbursement; normal repayment for more than one year, and no charge for early repayment.

Consumer microfinance series products

Minsheng Bank's consumer microfinance series products include a variety of loan options. These include: Micro Loan, Public Pleasure Loan, Salary Pleasure Loan, Housing Pleasure Loan, Monthly Payment Loan, Social Security Loan and Tax Pleasure Loan.

Product features: long loan period; high loan amount; credit method without guarantee.

Family Consolidated Consumer Loan

Minsheng Bank's Family Consolidated Consumer Loan has a wider range of uses, and can be used for all legitimate and legal family consumption expenses.

Product features: long loan period; high approval amount; flexible guarantee; and various loan uses.

What are the categories of mortgages?

Mortgage refers to a type of loan in which the borrower, in law, puts up the ownership of his property as collateral, thus obtaining a loan from an institution or an individual.

Mortgage loans are categorized as follows:

1. There are three types of personal housing loans, one is a personal housing commercial loan, another is a personal housing provident fund loan, and another is a personal housing portfolio loan.

2, enterprise mortgage loans, loans for business registration of various types of small and medium-sized enterprise customers, good business situation.

3, pawnbroker mortgage is to mortgage real estate to the pawnbroker, delivery of a certain percentage of the fees and interest can be obtained pawn, and in the agreed period of time to pay the interest and fees, repayment of the pawn and redemption of the pawn behavior.

4. Vehicle collateral is the borrower's or a third party's car or self-purchased car as collateral to obtain a loan from a financial institution or an auto loan company.