1, a large loan is a loan exceeding the agreed limit. Its standards are formulated by the Federal National Mortgage Association (Fannie Mae) and the Federal Housing Mortgage Corporation (Freddie Mac). For loan providers, large loans are risky, so their interest rates are also high. These loans have a loan balance limit. According to the average house price published by the Federal Housing Finance Agency (including new houses and old houses), the maximum loan amount of one to four families varies from year to year. These loan limits are called uniform limits.
2. Pipeline risk is the risk related to the issuance of housing mortgage loans. Including price risk and transaction interruption risk. The former means that if the mortgage interest rate in the market rises, it will have a negative impact on the value of loans under construction. The latter means that the applicant or anyone who receives the letter of commitment finally decides not to complete the transaction, that is, not to borrow money from the sponsor of the mortgage loan to buy a house.
3. Loan (electronic receipt credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. 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.
principle
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 within a 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.