Don't believe it. It's all a lie. What good faith loans, pawn shops are placed. If you want a loan, go to the bank for advice. Good luck.
2. What are the loan types?
Hello, divided by time cycle: short-term loans include one year, medium-term loans include more than one year and less than five years, and long-term loans include more than five years.
2. According to the loan object 1 personal loans: personal loans can be mainly divided into personal business loans, personal consumption loans and personal housing mortgage loans; Corporate loans: working capital loans, fixed assets loans, enterprise credit loans, bills, foreign exchange, corporate time deposits, certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, factoring loans and export tax rebate loans.
Third, according to the institutions providing loans, it is divided into 1. Policy bank loans: Policy bank loans refer to loans, usually long-term loans, issued to enterprises by banks that implement national policy loan business. For example, loans from China Development Bank mainly meet the capital needs of enterprises to undertake national key construction projects. 2. Commercial bank loans: Commercial bank loans refer to loans provided by commercial banks such as China Industrial and Commercial Bank, China Construction Bank, China Agricultural Bank and China Bank to meet the capital needs of enterprises, including short-term loans and long-term loans. 3. Loans from other financial institutions: Loans from other financial institutions refer to trust and investment loans in kind or in monetary form obtained from trust and investment companies, various medium and long-term loans obtained from finance companies, loans obtained from insurance companies, etc. Loans from other financial institutions are generally longer than those from commercial banks, with higher interest rates and stricter credit requirements and guarantee choices for borrowing enterprises. abstract
What are the types of loans? Ask a question
Hello, divided by time cycle: short-term loans include one year, medium-term loans include more than one year and less than five years, and long-term loans include more than five years.
2. According to the loan object 1 personal loans: personal loans can be mainly divided into personal business loans, personal consumption loans and personal housing mortgage loans; Corporate loans: working capital loans, fixed assets loans, enterprise credit loans, bills, foreign exchange, corporate time deposits, certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, factoring loans and export tax rebate loans.
Third, according to the institutions providing loans, it is divided into 1. Policy bank loans: Policy bank loans refer to loans, usually long-term loans, issued to enterprises by banks that implement national policy loan business. For example, loans from China Development Bank mainly meet the capital needs of enterprises to undertake national key construction projects. 2. Commercial bank loans: Commercial bank loans refer to loans provided by commercial banks such as China Industrial and Commercial Bank, China Construction Bank, China Agricultural Bank and China Bank to meet the capital needs of enterprises, including short-term loans and long-term loans. 3. Loans from other financial institutions: Loans from other financial institutions refer to trust and investment loans in kind or in monetary form obtained from trust and investment companies, various medium and long-term loans obtained from finance companies, loans obtained from insurance companies, etc. Loans from other financial institutions are generally longer than those from commercial banks, with higher interest rates and stricter credit requirements and guarantee choices for borrowing enterprises. answer
Fourthly, it is divided into 1 according to the guarantee requirements of institutions for loans. Credit loan: Credit loan refers to a loan obtained on the basis of the borrower's credit or the guarantor's credit. Enterprises do not need to use property as collateral to obtain such loans. For this kind of loan, because of the high risk, banks usually charge higher interest, and often attach certain restrictions. 2. Secured loan: refers to the loan obtained by the borrower or a third party providing guarantee according to law. Guarantee includes guarantee liability, financial mortgage and property pledge. Therefore, secured loans include secured loans, mortgage loans and mortgage loans. Secured loan: refers to the loan issued by a third party in accordance with the agreed guarantee method, which promises that the borrower will bear the general guarantee liability or joint liability in accordance with the agreement when the loan cannot be repaid. Mortgage loan: refers to the loan granted by the agreed mortgage method with the property of the borrower or a third party as collateral. : refers to the loan that is pledged by the movable property or rights of the borrower or a third party and issued in the agreed pledge way. 5. According to the agreed loan interest rate, it is divided into 1, fixed interest rate loan 2 and floating interest rate loan 6. The purpose or object of the loan is divided into 1, industrial and commercial loan 2, agricultural loan 3 and consumer loan.
4. Securities broker loans, 5. Risk loan, 6. Student loans, etc. answer
Three, please briefly describe the types of loans from international financial institutions.
International Monetary Fund loans International Monetary Fund loans are limited to member governments. Loans are only used to solve the temporary imbalance of international payments and pay for trade and non-trade current accounts. At present, the loans handled by the International Monetary Fund include ordinary loans, special loans and temporary loans.
The World Bank's loans to developing countries to develop production and resources are mainly combined with specific projects approved by the World Bank, which are earmarked for special purposes and subject to the supervision of the World Bank. Loans granted by the World Bank to banks supporting agricultural and rural development, energy, environmental protection and tourism resources are mainly divided into
1. Project loan. 2. Department funds. 4. Structural adjustment loans. 5. Emergency loan.
The affiliated institutions of IDA loans are mainly poor developing countries, that is, countries with per capita GNP below $925 according to the new standard of 1999. Although the target of loans is the governments of member countries or public and private enterprises, they are generally the target of loans. The loan does not need to pay interest, but only needs a handling fee of 0.75%; The loan term is generally a grace period of 10 year (no repayment of principal is required within 10 year, annual repayment of 1% for the second year, and annual repayment of 3% for the remaining 30 years); Loans can be repaid in whole or in part in domestic currency. Loans from the International Development Association are long-term low-interest loans with a high degree of preferential treatment. The use and supervision of loans meet the requirements of the World Bank.
The loan from the International Finance Corporation (IFC) is also a subsidiary of the World Bank, which mainly provides loans without government guarantee to private enterprises in World Bank member countries to help them build, expand and rebuild. The loan amount is generally 2-4 million dollars. The general loan term is 7 ~ to be repaid in currency; The loan interest is determined by factors such as capital risk and expected income, which is generally higher than the loan interest rate of the World Bank, and the highest is 10%.
The Asian Development Bank's loans to the Asian Development Bank are mainly used for the infrastructure construction of agriculture, agricultural railways, urban development, housing, health, population, education and other member countries in the region. Asian development. 1. divided by the loan terms. According to the loan conditions, it can be divided into three categories: hard loans, soft loans and grants. 2. Divide project loans by loan method (1). (2) Planning loans. (3