1. Bank loan refers to an economic behavior in which banks lend funds to those in need of funds at a certain interest rate according to national policies and return them within an agreed period. Generally, guarantee, house mortgage, proof of income and good personal credit information are required before you can apply.
moreover, in different countries and different development periods of a country, the types of loans classified by various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in Britain mostly take the form of bill discount, credit accounts and overdraft accounts.
Second, loan skills
1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. For example, a good personal credit record.
2. Loan amount: The amount that borrowers apply for loans in banks should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want, and they certainly don't want their loan funds not to see the movement of lending within half a month. If the loan applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. loan description: fill in the application materials in detail, the purpose of the loan, personal credit record, income source, repayment ability and family income, etc. To ensure that your loan can be repaid on time no matter when, where or what.
4. Loan repayment: After the borrower successfully applies for a loan, he must repay it within the specified time. Don't be lucky, delay the repayment time, and cause bad personal credit records. In addition, the relevant departments will try their best to recover the loans in arrears.