What do you mean by granting credit?

1. What do you mean by granting credits?

Credit loan refers to the operation mode that banks provide financial convenience to lenders by providing credit lines. Its advantages are one-time handling, recycling, borrowing as needed, and preferential interest rates.

trait

1, one application, multiple ways. Customers can apply for a credit line at one time based on one of the ways of credit granting, pledge, mortgage and guarantee, or they can use the above four ways in combination and repeatedly. 2, a wide range of objects, flexible use. Borrowers can be individual business owners, enterprise investors, government civil servants, employees of public institutions and ordinary people. Loans have a wide range of uses, both for consumption and business.

3, the procedure is simple, worry-free and interesting. Customers only need "five certificates", that is, identity certificate, marriage certificate, household registration book, written use certificate and income certificate, to apply to the bank. If it is a real estate mortgage, you only need to go through the mortgage formalities once. The loan can be repaid with the loan, and the interest is calculated according to the actual loan amount and the actual use days.

Loan object and conditions

1, aged above 18, with full capacity for civil conduct. The maturity date of the credit line shall not exceed 60 for men and 55 for women.

2. Hold the permanent residence and valid residence certificate where the credit bank is located.

3. Guarantee recognized by the credit bank can be provided.

4, good moral quality, no bad habits.

Loan amount, term and interest rate

The credit line can be determined according to the economic status and credit status of the grantee, the value of the collateral (pledge) that can be provided and the guarantee ability of the third party, and there is no maximum limit.

The longest credit period shall not exceed 2 years, and the term of a single loan under credit shall not exceed the credit period.

The loan interest rate varies according to the credit term.

Application material

1, ID card, marriage certificate, household registration book and two photos of the sponsor and spouse;

2. Self-employed households need to provide business licenses and business licenses of related industries;

3. If the house property is mortgaged or pledged, the ownership certificate of the mortgaged house property, the commitment of the authorized person (including the owner of the house property) to agree to mortgage or pledge, and the mortgage evaluation certificate issued by the bank approval department shall be provided;

4. Certificate of occupation and income of the trustee and spouse issued by the authorized department of the bank;

5. Other information required by the bank.

Treatment process

1. The transferee applies for information from the bank.

2. The bank conducts pre-loan investigation.

3. Sign a personal comprehensive credit contract.

4. Go through the formalities of registration/stop payment and notarization of mortgaged property.

5. Open a deposit and loan all-in-one account.

Step 6 lend a loan

7. The borrower repays the loan as agreed.

2. What does refinancing of pledged credit assets mean?

It is to make a package for your loan customer, and then use it as a pledge and exchange it for cash.

3. What is QE? What is the difference between credit asset pledge refinancing and QE?

The difference between credit asset pledge refinancing and QE: (1) Credit asset pledge refinancing is a collateral management policy, and QE is a direct asset purchase policy of the central bank; (2) Commercial banks take the initiative and QE central bank takes the initiative; (3) Credit assets pledge refinancing has the additional function of revitalizing the credit stock, while QE does not; (4) Credit asset pledge refinancing has directional characteristics, and QE has global characteristics; (5) Pledged refinancing of credit assets has the nature of pre-adjustment and fine-tuning, with stronger QE and more direct mechanism.

4. What does it mean to refinance pledged credit assets?

1. What can be used as collateral for bank mortgage loans?

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Real estate. Bank mortgage loans can first be used to mortgage real estate, such as individual housing, family housing, real estate factories, shops and so on. After evaluation, the loan can reach 70% or 80% of the evaluation price.

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