1, mortgage loan

For the bank, if the lender can provide collateral with certain value, the risk of loans overdue and capital loss will be greatly reduced, and then the bank will be willing to give the lender a lower loan interest rate.

2. Provident fund loans

In essence, provident fund loan is a kind of welfare loan, and the loan interest rate of provident fund is usually much lower than the ordinary loan interest rate of banks.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.

Bank loans generally need to provide guarantees, house mortgages, income certificates and good personal credit information before they can apply. In different countries and different development periods of a country, the types of loans classified according to various standards are also different.

Basic definition

Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.

Loan skills

More and more post-80s loans are used to buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.

Reasons for borrowing: In the process of applying for a loan, the lender should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.

Loan amount: The loan amount applied by the lender in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.

Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.

Loan repayment: After the borrower successfully applies for a loan, he must repay the loan within the specified time. Don't take chances and delay the repayment time, resulting in a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.