There are many applications available in the market. If borrowers are short of thousands to tens of thousands of yuan, most will choose to apply directly. If the borrower wants to apply for a higher loan amount, he will generally seek the help of the bank. Are there any large long-term loans? These kinds of bank loans can be long in stages and the loan amount is very high!
Are there any large long-term loans?
1, mortgage loan
If you want to apply for a large and long-term loan, mortgage is undoubtedly the first choice. The advantages of mortgage loan are low interest rate, high loan amount and long installment time. As long as the borrower meets the basic loan conditions of the bank and has a large amount of collateral, he can apply for a mortgage loan at the bank.
The amount of mortgage loan depends on the collateral, which is generally 70% of the value of the collateral. The longest mortgage loan can be divided into 30 years, and the lowest loan interest rate is 3.85%.
2. Guaranteed loan
Secured loans are also an option for large loans. When applying for a loan, the borrower needs to provide a guarantor or collateral to the bank. Because the guarantor needs to bear greater repayment responsibility and risk, many people are willing to guarantee for others.
If the borrower can't find a guarantor, he can find a guarantee company. There are also many guarantee companies in the market, but guarantee companies usually need to charge a lot of guarantee fees.
3. Corporate loans
Many small and medium-sized enterprises are operated by financing. If the funding gap is relatively large, most of them will choose to apply for corporate loans. There is no upper limit on the amount and quantity of corporate loans, as long as the enterprises applying for loans meet the conditions of bank loans and have sufficient repayment ability.
The above is "Is there a large long-term loan?" I hope I can help you!
What bank loan is good?
Hello, ICBC.
1, Industrial and Commercial Bank of China
ICBC's personal comprehensive consumption loan has a wide range of consumption purposes, a high loan amount and a long loan period.
2. China Merchants Bank
Credit loans of China Merchants Bank can be issued by stages according to customers' needs, and the sum of each loan amount does not exceed the approved loan amount. Each loan has the same loan term and repayment method.
3. China Construction Bank
CCB has a high loan amount, a wide range of consumer uses and a low loan interest rate. The fast e-loan launched by CCB has an interest rate of around 7.6%.
4. Industrial Bank
The longest credit period of the comprehensive personal consumption line of Industrial Bank can reach 10 year. During the credit period, the line is reused, and the used line can be recovered after the loan is repaid.
Extended data
Matters needing attention in loan are as follows:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When foreigners apply for commercial loans, banks generally require borrowers to have stable income in the local area, but also to open household registration certificates (some banks also require employment certificates), while housing guarantee companies require foreigners to apply for temporary residence permits in addition to local income.