What are the personal loan channels?

Personal loan channels are mainly divided into three categories: 1. Banks. Generally speaking, most loan companies borrow money from banks, although other loan companies do not lend money as banks. Therefore, banks are the first choice for many people for formal personal loans.

Although banks have many advantages as a formal personal loan channel, applying for a loan from a bank requires a lot of information, the requirements are relatively high, and the approval time takes a long time. Many loan applicants either cannot meet the application requirements or cannot wait for such a long time for approval. If the applicant has good credit, a monthly income of more than 4,000 yuan, and is not afraid of trouble, a bank is indeed a good choice.

2. Company. Compared with the cumbersome loan process of banks, the company not only has a low application threshold, but also the application procedures are relatively simple. The borrower calls the company in advance to inquire about relevant loan matters, and then submits the application materials to the company. After the company passes the review, it will sign a contract with the borrower and provide the loan. The borrower only needs to repay the loan on time. Therefore, it is more advisable to borrow money from the company. But there is a prerequisite, it needs to be a formal company.

However, relatively speaking, companies generally charge relatively high interest rates. In order to ensure the safety of their own funds, they rarely give customers a longer repayment period, so customers will have greater repayment pressure.

3. Internet financial platform. Many young people now like to get loans through Internet financial platforms because this loan method is very simple and convenient. If your after-tax salary reaches a certain level, you can apply for a personal credit loan, and many loan products can also be applied for online, which is convenient Very.

What are the types of personal loans?

The types of personal loans are:

1. Personal housing loans

1. Personal housing commercial loans

Personal housing commercial loans , is a self-operated loan issued by bank credit funds. It refers to a natural person with full capacity for civil conduct who, when purchasing a self-occupied house in an urban area in this city, uses the property ownership house purchased as collateral to apply to the bank as a guarantee for repayment of the loan. Housing commercial loans.

2. Personal housing provident fund loan

Personal housing provident fund loan is an entrusted loan issued by the policy-based housing provident fund. It refers to employees who have paid housing provident fund to purchase goods in cities and towns in this city. , when constructing, renovating or overhauling a self-occupied house, a housing provident fund loan is applied to the bank with the property owned as collateral and as a guarantee for repayment of the loan.

3. Personal housing portfolio loan

Any borrower who meets the conditions for a commercial personal housing loan and deposits the housing provident fund at the same time can also apply for a commercial personal housing loan to the bank. To apply for a personal housing provident fund loan, that is, the borrower can use the purchased urban self-occupied house in this city as collateral to apply for a personal housing provident fund loan and a personal housing commercial loan from the bank at the same time (this loan method is referred to as a personal housing portfolio loan).

2. Personal automobile consumption loans

3. Personal durable consumer goods loans

4. Personal consumption loans

5. Personal small amounts Credit Loans

Personal small credit loans are RMB credit loans issued by banks or other financial institutions to borrowers with good credit without providing guarantees. Based on personal credit and repayment ability, the amount generally does not exceed 100,000-200,000, and the loan period ranges from 1-2 years.

What are the types of personal loans?

The personal loans provided by various banks are different, and generally include the following categories: personal housing loans, personal car consumption loans, personal durable loans Consumer goods loans, personal business loans, personal valuable documents and personal small credit loans.

Those who need loans can consult the bank's credit department, which is just like the marketing department in a company. It is the key department for banks to obtain profits. It is responsible for absorbing large deposits, approving credit, collecting and disbursing loans. loan. At present, personal loans are also an important business of the credit departments of commercial banks.

So friends who don’t know how to apply for a personal loan from a bank can go directly to the bank branch to consult with the person in charge of personal credit. However, with the popularity and development of online finance, you can now make an appointment online in advance, and then go to the bank as scheduled after a preliminary review over the phone.

Personalloans (referred to as "personal loans"), also known as retail loan business, emerged in Western countries after World War II. After decades of development, they have become an important loan business. The main reasons for the rapid development of retail loans in the post-war West are: First, competition among financial institutions has become increasingly fierce, and the importance of retail business has been recognized; second, post-war Western economic development has been relatively stable, personal income has increased, and people are willing to use loans for Consumption; third, a large number of various credit reporting agencies have appeared, allowing banks to understand the credit status of borrowers conveniently and quickly.

What are the bank personal loans? There are several types!

Before going to the bank to apply for a loan, it is recommended to first understand the bank's loan products, because each different product is suitable for a certain type of people and meets their own conditions and needs, so that the success rate of loan application can be improved. What are the bank personal loans? It is recommended to go directly to the bank branch to consult the staff, and you will get a more precise answer. Here is just a brief introduction.

1. Mortgage loan

For most people, a mortgage loan refers to a real estate mortgage loan, and the collateral can be a residence or a shop. Loan applications that can provide collateral have the highest probability of success. Generally speaking, the mortgage rate for residential properties is 70% of the appraised value, and the mortgage rate for shops is 60% or 50% of the appraised value.

2.

It is mainly the pledge of rights, and the more common ones include the pledge of deposit certificates and wealth management quality pledges; the innovative ones include the pledge of shop lease rights, trademark pledges, etc., in terms of the proportion of loans. Said that there are relatively few personal loans with this kind of guarantee.

3. Guaranteed loans

There are very few guarantees for personal loans. Most of them are farmers' loans or business district loans, which are relatively special loan methods.

4. Credit loan

No additional mortgage guarantee is required, and you can apply based on your personal qualifications and credit. The threshold is a bit high because people who are not special groups cannot apply; the threshold is not particularly high because those who meet the requirements do not need any other requirements. For example, for some bank provident fund loans, you can apply for a loan as long as you have paid the provident fund. There are also loans for special groups, such as those in the financial industry, tobacco and electricity, civil servants, etc., all of which have certain credit loan limits.