2. Personal comprehensive consumption loan: the borrower must provide guarantee and collateral, with a quota of 2,000-500,000 yuan and a term of six months to three years.
3. To apply for a tourism project loan in the name of an individual, you need to provide a mortgage guarantee and proof of unit income, with a quota of 2,000-50,000 yuan and a term of six months to two years.
4. The national student loan is a special student loan provided by the Ministry of Education, and it is a special RMB loan.
5. Personal car loan, the loan amount is limited to car purchase, the lender must provide mortgage, and there are repayment guarantees from units and individuals. The loan bank will deposit the car in the bank for the first time, the loan amount cannot exceed 70% of the total car amount, and the repayment period cannot exceed five years.
6. Personal housing loan. The loan amount is only used for ordinary housing, house repair and self-built houses. The Lender provides mortgage and pledge guarantee, the loan amount is 70% of the total house price, and the longest term is 30 years.
What is the loan-to-deposit ratio of a commercial bank?
China's Commercial Banking Law stipulates that the loan-to-deposit ratio of a bank shall not exceed 75%.
The Law of Commercial Banks puts forward new requirements for commercial banks, such as the loan-to-deposit ratio shall not be higher than 75% and the proportion of current assets shall not be lower than 25%.