Everyone has played "After the two sessions, the interest rate of the Bank 1 was raised in April 15%! Some personal credits will be closed soon. " Advertising language.
Check with V, this is actually a report of "2065438+March 20th, 2008", which belongs to overdue news.
But today, I want to take this opportunity to tell you something about popular science. Zhou Xiaochuan (former Vice Chairman of the 12th Chinese People's Political Consultative Conference and Governor of the People's Bank of China. He is currently the vice chairman of Boao Forum for Asia and the chief representative of China. What kind of loan do you mean by "personal credit special loan"?
Why do they change first when the economy fluctuates a little?
Bank's personal loan products are mainly divided into two categories according to product use: personal consumption loans and personal business loans.
Personal consumption loans refer to personal loans issued by banks to borrowers who apply for purchasing "consumer goods services for reasonable purposes".
Personal consumption loans include personal housing loans, personal car loans, personal education loans and other consumer loans.
For example, provident fund personal housing loans and personal housing portfolio loans, which are closely related to everyone buying a house, belong to consumer loans. It's also a mortgage.
And what is the "personal credit special loan" mentioned by our president a week ago?
The first is credit.
That is, credit loans. Unlike mortgage products that need to mortgage property rights to banks, borrowers only need to provide corresponding qualification certificates to obtain loans without mortgage.
What does that man's special loan mean?
Personal consumption loans are common, including personal car loans, personal education loans and other consumer loans.
In the past, there were few personal consumption loans. Later, with the diversification of residents' consumption, the use of personal consumption loans launched by commercial banks has become increasingly comprehensive.
For example, decoration loans specially used for house decoration, travel loans for consumer travel, medical loans for medical service consumption, parking loans for purchasing parking spaces, and installment music for purchasing mobile phones.
These are all personal special loans, and the purpose is to specify consumption scenarios.
Due to the low threshold of some individual special loans, there is no need to provide too many asset certificates, the qualifications of loan personnel are uneven, and the late overdue rate is extremely high. It is not conducive to market stability.
The policies of these individual special loans are also good and bad, and there is often a phenomenon of installment lending.
It takes three hours in good times and three months in bad times.
Therefore, when the policy of the head office was tightened, these personal special loans were urgently stopped and took the lead.
Third, keep your personal credit information good.
No matter how the policy changes, there is always room for choice in the face of more than a dozen banks in the market.
Don't have the tragedy of "you are interested in the bank's interest and the bank is not interested in your qualifications".