Question 1: What do you mean by writing off loans and replacing loans? Write-off loans refer to loan assets formed by banks, including loans that are identified as bad debts when they are kept off balance sheets; Replacement loan refers to a loan that reorganizes the loan and the borrower sets up stem to resolve the risk of revitalization.

Question 2: What does replacement loan mean? There are two understandings of replacement loans: "one is that after the enterprise repays the loan with its own funds, it is filled with loans from other banks, and the other is repaid with loans from other banks." These two understandings represent two different purposes of replacement loans. If traced back to the source, the essence of the two replacement loans is the same, both of which are to replace the loan of another bank with the loan of one bank.

First of all, from the perspective of loan operation, the first kind of replacement loan requires the enterprise to repay the original loan with its own funds before issuing the loan from another bank, while the second kind of replacement loan is that a bank issues the loan first, and the enterprise repays the loan with the loan funds, which is essentially different in operation steps and operation sequence;

Secondly, in the control of loan use, from the bank's point of view, the first replacement loan is obviously easier to control the real use of the loan than the second. For the first kind of replacement loan, enterprises will obviously feel the lack of daily operating funds after using their own daily operating funds to restore the due loans. After another bank loan is issued, it is used for the daily operation and turnover of the enterprise, and the bank loan is used reasonably and easy to monitor; For the second replacement loan, it is not so easy. Because it is directly used to repay loans from other banks, which have already entered the enterprise, some have been "paved" and some may even be misappropriated. It is difficult for new banks to find out whether the original loans are reasonable or not, and it is also difficult to monitor the real use of loans. Therefore, although in the daily operation of banks, these two kinds of replacement loans exist.

Question 3: What are the non-performing loans that have been replaced? Non-performing loans have been transformed into other forms, such as real estate, other creditor's rights and equity.

Question 4: What does it mean to replace the existing bank financing with new bank loans or other financing channels? For example, an enterprise originally had a loan in Bank A, and now it uses the new loan issued by Bank B to repay the existing loan of Bank A, and the enterprise becomes a bank loan, which replaces the existing bank financing. Mainly a means of competition between banks.

Question 5: What does replacement loan mean? Say something easy to understand about mortgage loans.

Question 6: What is the company's loan replacement in the bank? A 50-minute replacement means a new bank loan. As long as the loan is not paid off, of course, the interest will continue to be paid. How to pay the interest? You have to ask the bank that is lending now.

Question 7: The advantages and disadvantages of enterprise loan replacement should be ok.

Accept my answer. .

Question 8: The old car must be sold first for the car replacement loan. After evaluation, if it is sold abroad, the state will give you a subsidy of 3000-6000 yuan. If you still have a Beijing license, there will be no subsidy, depending on who you sell it to. You sell it to the car collector, and he gives you the subsidy money directly. After the sale, your license plate can be kept or renumbered, and you can also borrow money to buy a car for up to 5 years. You can also choose a down payment, with a minimum of 30%. The longer the term, the higher the interest rate. The loan interest is based on the national benchmark interest rate. The bank will raise the interest rate according to your situation. General car loan interest rates have reached more than 8%. If you get married, you need to provide your husband and wife's ID card, household registration book, marriage certificate, real estate license, driver's license, 2 one-inch photos, income certificate and bank flow in the last 3- 6 months. That's all. I bought a car recently, too, and I'm working on it. In addition, I heard from people in the auto market yesterday that the subsidy is almost gone. Please ask quickly, don't miss it.

Question 9: What's the difference between housing mortgage loan and housing replacement loan? Housing mortgage is a house with ownership, and housing replacement loan is a mortgage loan.

Housing replacement loans are also secured by the property purchased this time.

Question 10: How to understand the replacement loan? Please give a detailed answer. Hard work is the exchange of provident fund and loan.

What does loan replacement mean?

Housing replacement loan is a way of buying a house in which the person who wants to apply for a loan mortgages the property with clear property rights owned by himself or a third person to the bank, and then obtains a loan according to a certain proportion of the bank's evaluation price to pay the down payment of the house purchased by the bank mortgage.

I. Basic concepts

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the principle of sex

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1. Loan security is the primary problem faced by commercial banks.

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time.

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

Third, student loans.

As a leading consumer credit information service enterprise in China, Li Rong. Com is the only enterprise in China that has launched MBA student loan program. It provides a bridge loan for MBA freshmen, which can help students easily solve the tuition problem. MBA freshmen can apply for low-interest student loans ranging from10-200,000 yuan with the admission notice. If the monthly interest rate is even as low as 0.7%, it is lower than the bank credit card installment. After entering school with the student loan provided by Li Rong. Com, MBA students can apply to the school for a national student loan with a low interest rate, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum. In this way, as long as the borrower indicates the interest after service when applying, he can apply for a student loan in this form before entering school. The best application period is six months. Generally, the national student loan applied for in September will not be approved until February of the following year. In this way, MBA freshmen don't have to worry about the high tuition fees at one time, and they can easily complete their studies through student loans.

What do you mean by writing off and replacing loans?

Replacement loan mainly refers to the replacement of personal housing loans, which are mainly used for commercial housing loans at present. It is a loan issued by the bank to the borrower who paid off in full when buying a commercial house, which is used to replace the non-loan debt of his previous house purchase and set a mortgage on the house.

Loan write-off is the abbreviation of "write-off of non-performing loans", which is a system for banks to write off non-performing loans or loan losses according to regulations.

According to the relevant provisions of the Interim Provisions of the Ministry of Finance on Establishing Non-performing Loan Reserves for National Specialized Banks, local banks approve non-performing loans of less than 50,000 yuan each, and provincial banks approve non-performing loans of more than 50,000 yuan and less than 654.38+10,000 yuan each;

Each non-performing loan of more than 654.38+10,000 yuan shall be examined and approved by the head office of specialized banks according to the opinions of lower-level banks and provincial central financial institutions, and reported to the Ministry of Finance for the record. In the specific implementation, the amount of approval has been adjusted.

Extended data

Not all non-performing loans can be written off, but certain conditions must be met. The central government has strict legal procedures for loan write-offs. It must be determined through various efforts that possible non-performing loans have not been recovered or reduced and become non-performing loans.

Bad debts are written off with profits, so it will reduce the bank's income in that year. However, the general banking regulatory bureau requires banks to have indicators of non-performing loan ratio. Therefore, banks must comprehensively consider profits and bad indicators to decide whether to write off.

The policy stipulates that bad records are not allowed to be eliminated. The only way to eliminate them is to appeal through the Credit Information Center of the People's Bank of China. If verified, it can be eliminated.