I. Bank loans
Personal bank loans are generally divided into two categories: personal business loans and personal consumption loans.
Personal business loan: for the purpose of personal business capital turnover, it emphasizes that individuals need to have business licenses and business premises. The direction of capital turnover is to purchase raw materials from upstream, pay employees' wages, pay venue rent, etc.
Personal consumption loan: it aims at personal consumption and stipulates the direction of consumption, such as decoration, shopping, traveling and studying abroad.
However, whether it is a personal business loan or a personal consumption loan. It is strictly forbidden for funds to flow into investment industries such as real estate and stock market.
Personal business loans are divided into two categories:
Mortgage loan/securities loan
Mortgage requires collateral, which usually includes houses, apartments, office buildings, pavements, factories and land. The mortgage interest rate is also different, usually the residential mortgage interest rate is 70%; The mortgage rate of apartments, office buildings, pavements, factories and land is 50%. Of course, the regulations of each bank are different. Even the evaluation price of the evaluation company is different.
The annualized rate of mortgage loans varies from bank to bank, generally 4%-8%. If the credit conditions are good and you want low interest rates, you can give priority to the four major banks. If you want a high quota, you can give priority to commercial banks.
Unsecured/credit loan
Commercial loans also have credit loans and no collateral is needed. For example, the tax loans of major banks and the three-door joint guarantee of the Postal Savings Bank. Of course, credit loans need more credit information than mortgage loans.
The annualized rate of credit loans is also 4%-8%, and there is a basic formula for calculating the amount of credit loans.
Personal consumption loans are divided into two categories:
1. Mortgage loan
Consumer loans are similar to commercial loans, but there is no business license and business premises, and the maximum amount is within 654.38+00,000.
2. Credit loan
Consumer loan products are more abundant. Generally speaking, we can be divided into three categories.
Civil servants, institutions, employees of top 500 enterprises and employees of private enterprises.
Individuals who own commercial housing
Individuals who purchase commercial insurance
Civil servants, institutions, employees of top 500 enterprises and employees of private enterprises all have many corresponding products. But they are all based on the wages paid by individuals and the corresponding amount given by the provident fund base.
Personal commercial housing is mainly mortgage housing, supplemented by full house, and the corresponding amount is given according to the down payment.
At present, only Ping An Bank can provide such loans to individuals who have purchased commercial insurance. Annual payment, according to the payment period to give the corresponding amount.
Two. Institutional loan
Loans refer to enterprises in which institutions raise funds from banks and trusts. Plus insurance and service fees, and then give it to the borrower. Influenced by national policies, most of the remaining institutions are mainly engaged in insurance, such as Anpuhui, local time loan and certain insurance.
Generally, the cost of institutional financing to consumers is within the annualized rate 15.4% controlled by the state. Compared with bank financing, it has the advantages of simple procedures and high speed, and it can be received within 3 days. The disadvantage is the high cost of financing.
The types of institutional loan products are mostly concentrated in four categories.
1, civil servants, institutions, employees of top 500 enterprises, employees of private enterprises and other wage earners.
2. Individuals who own commercial housing
3. Individuals who purchase commercial insurance
4. Individuals with a mortgage car or a full car
Third, online lending.
Loans on the internet often include a treasure, a loan and so on. The advantage is that you can lend money immediately, and the loan customers are not limited. For customers with good credit information, they can borrow millions or even hundreds of thousands of yuan. The disadvantage is that the quantity is small. Many customers may have lost the conditions for applying for loans from banks for a long time because they borrowed hundreds of yuan in online loans. This is a typical case of picking up sesame seeds and losing melons. At first, I was able to
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