With the rise of housing prices, more and more people borrow money to buy a house. There are many forms of loans, which can be divided into self-operated loans, entrusted loans and specific loans according to business attributes. The most common form of loan is self-operated loan. So what is a self-operated loan? How long is the term of the self-operated loan? Below we will answer them one by one, hoping to help you.
What is a self-operated loan?
Self-operated loans refer to loans issued by lenders (including commercial banks, individuals or companies). ) after receiving the borrower's loan application, raise enough funds through legal means and then distribute them independently. The types of loans granted by most commercial banks are mainly self-operated loans.
Self-operated loans should recover the loan principal and interest by themselves, and all risks should be borne by themselves. The risks of self-operated loans are mainly manifested in three aspects: how to repay, how long to repay, and not to repay.
Classification of self-operated loans:
There are three kinds of self-operated loans: working capital loans, fixed assets loans and closed loans.
1, working capital loan
Working capital loans are generally loans used by enterprises for insufficient working capital in the process of circular production and operation. It is characterized by strong liquidity and fast cycle. There are two forms of working capital loan: single loan and line loan. The loan term is divided into short-term and medium-term, with the short-term being within 1 year and the medium-term being 1-3 years.
2. Fixed assets loans
Fixed assets loan is a loan issued to solve the capital demand of fixed assets investment projects of enterprises. Medium and long-term loans mainly used for the construction, expansion, transformation, development and purchase of fixed assets investment projects. It is characterized by long cycle and installment repayment.
3. Closed loans
Closed loan refers to a loan that provides special financial support for a project or product of an enterprise and closes the operation of the project. Closed loans are subject to quota management. Its characteristics are earmarking and closed management.
How long is the term of the self-operated loan?
Term of self-operated loan: the shortest term is within 65,438+0 years, and the longest term cannot exceed 65,438+00 years (inclusive). If the loan term exceeds 65,438+00 years, it shall be reported to the supervision and administration institution of the People's Bank of China for the record.
That's what Bian Xiao brought you. What is a self-operated loan? How long is the term of the self-operated loan? The whole content.