Personal bank loans can be roughly divided into the following categories:
1, according to the different purposes of personal loans, it can be divided into personal housing loans, car loans, study abroad loans, student loans, personal consumption loans, personal business loans and so on.
2. According to the different ways of personal loan guarantee, it can be divided into credit loan and secured loan, and the latter includes secured loan and mortgage loan.
3. According to the different repayment methods of personal loans, it can be divided into installment loans and one-time loans. The former includes average principal, equal principal and interest, installment principal, equal incremental principal, equal decreasing principal and combined repayment.
4. According to the different periods of personal loans, it can be divided into short-term, medium-term and long-term loans. Short-term loans are within 1 year (inclusive), and medium-term loans are within 1 to 5 years (inclusive); Long-term loans are generally more than 5 years, mostly 20 to 30 years.
There are several kinds of personal loans.
There are five kinds of personal loans:
1, personal consumption loan.
2. Personal credit loan.
3. Personal housing loan.
4. individuals.
5. Credit card overdraft consumption.
Personal loans also need to meet certain conditions, such as full capacity for civil conduct, legal use of loans, and good credit of borrowers.
Extended data:
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.
Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
principle
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation.
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.
Repayment method
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest.
Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
What kinds of personal loans are there? You will know after reading it!
Nowadays, there are many borrowers, mainly due to social pressure, and they often face the problem of lack of money. Compared with borrowing from relatives and friends, loan is a convenient and quick way. What kinds of personal loans are there? In fact, according to different situations, it can be divided into different types. Today we will briefly introduce the relevant content. If you don't know, you can have a look.
1, depending on individual credit purposes.
It can be divided into personal housing loans, car loans, study abroad loans, student loans, personal consumption loans, personal business loans, decoration loans, marriage loans and so on. When you go to a bank financial institution for a loan, you can inform the bank of your loan purpose, and the staff will provide you with suitable products according to the situation.
2, according to the different ways of personal credit guarantee.
It can be divided into credit loans and secured loans, and the latter includes secured loans and mortgage loans. Different loans need to provide different assets, such as houses, cars, insurance policies, certificates of deposit and so on.
3. According to different repayment methods of personal credit.
It can be divided into installment loans and one-time loans. The former includes average capital, equal principal and interest, installment principal, equal increasing principal, equal decreasing principal and combined repayment.
4, according to the different personal credit period.
It can be divided into short-term loans and long-term loans. Short-term loans are within 1 year (inclusive), and medium-term loans are within 1 to 5 years (inclusive); Long-term loans are generally more than 5 years, mostly 20 to 30 years.
There are many kinds of loans, so you must carefully consider before lending and choose the product that suits you best.
What are the types of personal bank loans and what are the requirements for application?
Bank personal loan is a small, short-term or long-term and large RMB loan provided by banks to customers for legitimate business activities. Applicants for personal bank loans are China citizens with full capacity for civil conduct and foreign citizens with the right of abode in Chinese mainland; Have legal and stable income, good credit and the ability to repay the principal and interest of the loan, and can apply for personal loans in relevant banks.
Bank personal loans have the following types to choose from:
I. Personal housing loans
1, personal housing commercial loan
Personal housing commercial loan is a self-operated loan issued by bank credit funds, which refers to a commercial housing loan that a natural person with full capacity for civil conduct applies to the bank when purchasing urban housing in this city as collateral to repay the loan.
2, personal housing provident fund loans
Personal housing provident fund loan is an entrusted loan issued by policy housing provident fund, which refers to the housing provident fund loan that employees who pay housing provident fund apply to the bank when they buy, build, renovate or overhaul their own houses in cities and towns of this city, with their own property houses as a guarantee to repay the loans.
3. Individual housing portfolio loans
Borrowers who meet the requirements of commercial loans for personal housing can also apply for personal housing provident fund loans from banks when handling commercial loans for personal housing, that is, borrowers can apply for personal housing provident fund loans and commercial loans from banks with urban housing purchased in this city as collateral.
Second, personal automobile consumption loans.
Third, personal durable consumer goods loans.
Fourth, personal consumption loans.
Verb (abbreviation of verb) personal micro-loan
Personal micro-credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit standing without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 200,000, and the loan term is 1-3 years.
Intransitive verb non-residential mortgage loan
1, installment loan
2. Repay the loan in one lump sum
The application conditions are as follows:
1. China citizens who have a fixed residence in China and a fixed residence in local towns and have full capacity for civil conduct;
2. Have a good job with a just and stable income and the ability to repay the principal and interest of the loan on schedule;
3. Abide by laws and regulations, and have no illegal acts and bad credit records;
4. There is no bad record on the national credit record;
5. Other conditions stipulated by the bank.
The above contents are related to the types of personal loans of banks. I suggest that you have a clear plan before lending, and choose the appropriate loan according to your actual needs and conditions.
What kinds of personal loans are there?
Personal loans provided by banks are different, generally including the following categories: personal housing loans, personal automobile consumption loans, personal durable consumer goods loans, personal business loans, personal valuable documents and personal micro-credit loans.
People who need loans can consult the credit department of a bank, just like the marketing department in an enterprise. It is the key department for banks to gain profits, and is responsible for absorbing large deposits, approving credit and accepting loans. At present, personal loan is also an important business of the credit department of commercial banks.
Therefore, friends who don't know how to apply for a bank loan can go directly to a bank outlet to find a person in charge of the loan. However, with the popularization and development of online finance, you can also make an appointment online in advance and go to the bank as scheduled after a preliminary telephone audit.
Personalloans ("personal loans" for short), also known as retail loan business, rose in western countries after World War II and has become an important loan business after decades of development. The main reasons for the rapid development of western retail loans after the war are: first, the competition among financial institutions is becoming increasingly fierce, and the importance of retail business is recognized; Second, after the war, the economic development in the western region was relatively stable, personal income increased, and people were willing to use loans for consumption; Third, the emergence of a large number of credit reporting agencies enables banks to know the credit status of borrowers conveniently and quickly.