1.Mollon Loan is a company with all the signs. Bank loans are of course bank interest rates, but in fact, most customers are not good. Loans from consumer finance companies or microfinance companies are often recommended. The actual comprehensive annual interest rate of this part will exceed ten to twenty or even more, but it only tells customers that the monthly interest rate is less than 1. If customers don't know about loans, they will charge high fees. If they borrow and know the market, they will charge according to the market standard.

Second, the loan processing conditions:

1.65438+ China citizen aged 08-65, with fixed residence, permanent residence in cities and towns and all abilities in China;

2. Have an appropriate and stable economic income, a good occupation and the ability to repay the principal and interest of the loan;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

1. Simple and popular loan understanding is to borrow funds that need interest.

2. Loans are a form of credit activities. Banks or other financial institutions borrow monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other loan funds. By lending money and monetary funds, banks can meet the needs of a society that supplements funds, thus expanding reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.

4. The loan method is the way for banks to lend money to enterprises. According to the different ways of loan guarantee, it can be divided into credit loan, guaranteed loan and bill discount. Credit loan only refers to the lender borrowing credit loan; Secured loans refer to secured loans, mortgage loans and committed loans; Bill discount refers to the lender issuing loans by purchasing the borrower's excess commercial bills, which can be regarded as a special form of promised loans. At present, the supply of credit funds in China can be divided into three types: direct loans, indirect loans and purchase of seller's loans.