The knowledge of the loan industry is extremely complex, there are some cold knowledge that everyone may not know very well, today Wenzhuo will take you to understand what the loan industry has what we do not know about the "cold" knowledge!
Loan Classification
One. Divided by loan subject
01
Personal loans
Personal LoanSEnters applied for in the name of an individual natural person. Compared with corporate loans, the interest rate of personal loans is higher, the scale is cyclical, and the borrowing lacks interest rate elasticity.
The cars we usually contact, mortgages/pledges, personal credit loans, etc., are all forms of personal loans.
02
Corporate loans
Enterprise loan refers to a borrowing method in which an enterprise applies for a loan to a financial institution in accordance with the prescribed interest rate and term for the needs of production and operation.
Unlike personal loans, corporate loans are not limited to a single person, but are generally held by legal persons, boards of directors, shareholders and senior managers alone or jointly.
Two. Divided by loan form
Line of credit
A line of credit is a loan granted in the creditworthiness of the borrower, and the borrower does not need to provide a guarantee. If the borrower is applying as an individual, the amount is relatively small, and the enterprise application amount is relatively large. If considered from the perspective of the assessment of the operating conditions of enterprises, generally larger enterprises are more likely to obtain credit loans.
Secured loans
Secured loans can be divided into the following three types according to the different forms of guarantee:
(1) Guaranteed loan: refers to a loan issued in accordance with the guarantee method stipulated in the Guarantee Law of the People's Republic of China (hereinafter referred to as the "Guarantee Law"), in which a third party promises to bear joint and several liability as agreed when the borrower is unable to repay the loan. The third person here refers to the guarantor, which can be a natural person with completely autonomous ability to act, or an enterprise or social group with legal qualifications.
(2) Mortgage loan: A loan issued with the property of the borrower or a third party as collateral.
(3) Pledge loan: A loan granted on the movable property or rights of the borrower or a third party as collateral.
✏️ Knowledge points
The fundamental difference between a pledge and a mortgage is whether or not possession of the encumbered property is transferred. Mortgage means that the debtor or a third party does not transfer possession of the mortgaged property, and pledge means that the debtor or a third party transfers movable property to the creditor for possession.
How to choose a lender
01 Look at the qualifications
Log on to the website of the local bureau of industry and commerce, enter the company name to verify whether the company exists, if so, verify whether the business address, legal person, business scope is reasonable, whether it is consistent with the tone of the other party, etc., in addition to the qualification certification of the CBRC and other related institutions, we need to further verify.
02 Look at the scale
Institutions with strong strength and diversified business are not only highly professional, but also have a perfect system. You can also provide lending services with your own funds, allowing you to get the loans you need in a relatively short period of time.
03 Look at interest rates
Interest rates are an important factor that small partners pay attention to when lending, but interest rates are not as low as possible. With the financial system more and more perfect, the review of loan users are gradually strict, there will generally be a certain difference between banks and private lending institutions, so Wenzhuo recommends that you choose according to your own situation and needs, do not just look at the interest rate, in order to prevent being deceived!
Tips
At present, the financial system is becoming more and more perfect, but there are still uneven lending institutions in the financial market. At the same time, there is a wide variety of loan products. In order to prevent our own material qualifications from being used as other ways, it is best to stamp the materials we submit, or indicate that they are limited to the current business and cannot be used as other ways.
All submissions must also be made in person. At the same time, we must keep the relevant qualifications and materials of the other party. For example, contracts, contact persons and contact information, business qualifications of enterprises, etc.
If you have questions about mortgage mortgage 丨 personal credit 丨 mortgage loan 丨 credit loan, you can poke the following consultation and learn more from me! —— Be the light of the right way in the financial industry, treat it frankly, and help you avoid the pit!