Six major misunderstandings about bank loans. Bank loans have now become the first choice for most people when they need funds, but there are still many people who stay away from loans and think that loans are risky. So, we What are the cognitive errors about bank loans? Introduced by the next editor.

Myth 1: Bank loans can only be used to mortgage housing

When it comes to real estate mortgages, the most common loan product in the financial market is the loan product that banks promote the most. Many people There is a misunderstanding that if you want to get a loan from a bank, you can only mortgage your home. This is not the case. Now many banks have unsecured credit loans, which do not require guarantees and the loans are fast. It is the favorite loan method for many unsecured people.

Myth 2: Mortgaging your house to the bank will affect your use

Most people who don’t know about real estate mortgages think that if I mortgage my house to the bank, my house does not belong to me. Of course this is not the case. . For a mortgage loan, you only need to mortgage the house to the bank. If the house is used normally, the homeowner remains his own, repays it on time, does not default on the bank loan, and the bank will not dispose of the house.

Myth 3: You can apply for a credit loan if you have good credit

This is also a mistake that most people make. They think that a credit loan can be applied for without other conditions. Of course, the requirements for a credit loan are actually stricter than those for a mortgage, and are very strict on the applicant’s application status and liabilities. There are requirements for status and income, etc., but it does not mean that the applicant is a good candidate.

Myth 4: Bank loan interest is roughly

Many loan friends should have encountered this situation, and other people’s repayments The payment method and loan amount are the same, why is the interest rate so different? That's because different banks have different interest rate differences due to different floating standards for the central bank's benchmark interest rate. Each bank's execution interest rate is different, and the repayment amount is also quite different. Therefore, you must consult more when it comes to loans, and you cannot blindly Choose a bank and loan plan.

Myth 5: It is easier to get a loan if you have a house mortgage