1. Pledged loans also have certain preconditions.
Bank pledge loan refers to the borrower's own financial bonds or part of real estate as collateral according to the relevant provisions of the Guarantee Law, and the bank determines the borrower's loan amount according to the value of collateral and various assessments. However, there are certain conditions for pledge loans. I need to bring an application form when I take the oath. If the borrower fails to repay the loan by the repayment deadline, the bank will auction the mortgaged assets.
Two, the interest rate of pledged loans in accordance with the provisions of the bank.
Although bank pledged loans have become very popular, the interest rates of banks vary greatly. Generally speaking, the loan interest rate rises 10% to about 30% on the basis of the loan benchmark interest rate. The interest rate is not only related to the situation of the bank, but also depends on the situation of the applicant.
Third, the amount of bank pledged loans is also very different.
Because it is a pledged loan, the amount of pledge is mainly based on the value of the pledged property. If it is a financial debt, the pledge rate can reach 90% at the highest, but if it is a bill of lading, the pledge rate is only 70% at the highest. If it is chattel pledge, the pledge rate will be even lower, with a maximum of only 50%. Therefore, the pledge amount should also be analyzed in detail, and there is no fixed standard value.
Bank pledge loan is also a relatively safe loan method. If you want to use this kind of loan, you can learn more about the loan ratio of several banks, make an overall evaluation and try to lend as much as possible.