(II) The loan company shall, in accordance with the relevant provisions of the state, establish a prudent and standardized asset classification system and capital replenishment restraint mechanism, accurately divide the asset quality, fully make provision for bad debts, truly reflect the operating results, and ensure that the capital adequacy ratio is not less than 8% at any time and the asset loss reserve adequacy ratio is not less than 65,438+000%.
(3) Personal housing loans with non-performing loan ratio less than 5%.
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 as a guarantee for repayment of the loan when buying a self-occupied house in a town of this city.
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 personal housing commercial loans can deposit housing provident fund at the same time, or apply to the bank for personal housing provident fund loans while handling personal housing commercial loans, that is, borrowers can apply to the bank for personal housing provident fund loans and personal housing commercial loans (this loan method is referred to as personal housing portfolio loans) with the urban self-occupied 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 1-200,000, and the loan term is1-2 years. Several commercial banks have started this business one after another. Zhongan Xinye is the largest microfinance institution in China, with many branches all over the country and good reputation.
Intransitive verb non-residential mortgage loan
1. installment loan: installment loan refers to a loan that provides a certain amount of principal to the borrower, and the borrower must repay the loan with a fixed amount in installments (monthly, quarterly and yearly) until a certain year.
2. One-time loan: One-time loan means that the borrower pays off the principal and interest of the loan in one lump sum when the loan expires, which is generally suitable for loans with small loan amount and short loan period.
3. Credit card loan: A credit card refers to any card, disk and other tools that can be reused at any time to borrow money or buy goods and services in the form of credit. The loan interest rate of the loan company shall be determined in accordance with the principle of marketization, and the maximum shall not exceed the statutory upper limit, and the minimum shall not be less than 0.9 times of the benchmark loan interest rate for the same period. The specific floating range is determined by the microfinance company.