The definition means that the borrower who applies for buying a car pays a part of the down payment first, and the lender issues loans to the car buyer in installments for the rest. Application conditions for mortgage car purchase
1. Have valid identification and full capacity for civil conduct;
2. Can provide a fixed and detailed address certificate;
3. Have a stable occupation and the ability to repay the loan principal and interest on schedule;
4. Personal social credit is good;
5. Holding a car purchase contract or agreement approved by the lender;
6. Other conditions stipulated by the Cooperation Organization. Mortgage car purchase process 1. Lead customers to choose cars at special dealers of banks and sign car purchase agreements or contracts; 2. The borrower applies to the loan bank for personal automobile mortgage; 3. Sign the contract with the consent of the investigation; 4. Go through the formalities of notarization and mortgage of automobiles; 5. Lenders (banks) handle loans; 6. After the loan is paid off, the lender (bank) cancels the pledge certificate and returns it to the customer. Application materials for mortgage car purchase
What are the effective measures for banks to increase credit supply, sprint credit supply in the fourth quarter and speed up credit supply?
First of all, according to the characteristics of farmers' payment, the interest rate is a "dual track system". That is, the loan farmers who use Fumin card will implement the interest rate of 8.3‰ for a period of three years. Once approved, they will repay the loan; The insured farmers who use the joint guarantee loan implement the annual interest rate of 7.5‰, which effectively reduces the loan cost of farmers. This paper mainly introduces the mortgage loan of rural contracted land management right after the land is confirmed. Customers who have confirmed their rights can apply for mortgage loans for management rights and implement preferential interest rates. Special young and middle-aged customers can use Fumin card, and the period can be extended to 5 years.
The second is to promote mechanism innovation and improve the ability to serve the real economy. Adjust the regulatory requirements for loan loss reserve, encourage banks to make use of the favorable conditions of adequate provision, intensify the write-off of non-performing loans, promote the debt-to-equity swap supported by targeted cuts to required reserve ratios as soon as possible, revitalize existing assets and improve efficiency. Supervise banks to appropriately increase the proportion of retained profits and consolidate core capital, actively support banking institutions, especially small and medium-sized institutions, to replenish capital through multiple channels, open channels for commercial banks to replenish tier-one capital, and enhance their credit supply capacity.
Furthermore, innovative marketing channels can effectively improve the quality and efficiency of precision marketing of Tuoke. Solidly carry out the docking of "four lists", lay a solid foundation for work and carry out list marketing. Relying on products such as "Rural Revitalization Loan", "Entrepreneurship Guarantee Loan" and "Lu Dan Huinong Loan", we will increase the support for high-quality customer loans and improve the delivery effect. Carry out regional marketing. The district has solidly promoted the credit work of the whole village and continuously extended its marketing tentacles.
Then optimize the relationship between credit structure and credit risk prevention and control, and risk prevention and control will be implemented simultaneously with business development. In terms of risk prevention and control, Jiangxi Rural Commercial Bank strengthens the bottom line thinking, adheres to compliance first, fully implements the requirements of reducing fees and profits, benefiting enterprises and benefiting the people, fully embraces the digital wave, and improves financial services in accordance with the requirements of online empowerment, offline drainage and two-line combination. Improve the incentive mechanism and enhance the willingness to serve the real economy.
Changes and reasons of credit supply in key areas such as infrastructure manufacturing and real estate.
Analysis 1. Changes in credit supply in key areas 1. Highway construction: With the increase of the second round of national infrastructure investment, the bank's loan investment in highway construction has also increased significantly since 20 15 years. 2. Real estate: In recent years, the financing needs of enterprises in the real estate industry have increased, and banks have also invested in this loan. However, due to the impact of housing prices, loans are still in a relatively conservative state. 3. Infrastructure manufacturing industry: Since 20 15, the government of China has given obvious support to the infrastructure manufacturing industry, and increased the bank's loan investment in this field with the help of credit policy. Two. Cause analysis 1. Macro-economic environment: Due to the unstable macro-economic environment in China, banks are cautious, especially in key areas, which affects the loan amount. 2. Financial supervision: Due to the adjustment of financial supervision policies, all banks will control the credit supply, especially in key areas, so the credit supply will be affected to some extent. 3. Government policy: China government has certain policy support in some key areas, and banks will adjust the loan amount according to different policies to conform to the policy orientation and strive to give more loan support to those beneficiaries.
So much for the introduction of the loan industry.