Housing commercial loans are self-operated loans issued by banks with their credit funds. Specifically, it refers to the commercial housing loan (mortgage loan is a kind of commercial loan) that a natural person with full capacity for civil conduct applies to the bank as a loan repayment guarantee when purchasing owner-occupied housing in this city with property housing (or other guarantee methods recognized by the bank) as collateral. What are the classifications of commercial housing loans? What is the difference?

The classification of housing commercial loans can be divided into the following categories according to the term and loan method:

First, it is divided into short-term loans, medium-term loans and long-term loans according to the term.

Short-term loans refer to loans with a loan term of 1 year (inclusive).

Medium-term loans refer to loans with a loan term of more than 1 year and less than 5 years (inclusive).

Long-term loans refer to loans with a loan term of more than 5 years (excluding 5 years).

Two, according to the loan method is divided into credit loans, secured loans (secured loans, mortgage loans, pledge loans), bill discount three.

(1) Credit loans refer to loans granted with the borrower's credit standing as the guarantee.

(2) Secured loans refer to secured loans, mortgage loans and pledged loans issued in accordance with the Guarantee Law of People's Republic of China (PRC).

1. Guaranteed loan refers to the loan provided by the borrower as the guarantor recognized by the company. The guarantor promises to assume general guarantee liability or joint liability according to the loan contract when the borrower fails to repay the principal and interest of the loan by the guarantee method stipulated in the Guarantee Law.

2. Mortgage loan refers to the loan granted with the approval of the company with the property of the borrower or a third party as collateral and in accordance with the mortgage method stipulated in the Guarantee Law.

3. Pledged loan refers to the loan issued by the company with the movable property or rights of the borrower or a third party as the pledge according to the pledge method stipulated in the Guarantee Law.

(3) Bill discount refers to the loan issued by the company through the purchase of the bank acceptance bill that has not expired by the borrower.

Loan term: the loan term of a finance company is generally not more than 5 years; The longest discount period is no more than 6 months, and the discount period is from the discount date to the maturity date of the bill.

(The above answers were published on 20 13-04-24. Please refer to the actual situation for the current purchase policy. )

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