2 thoughts on “Which occupations belong to bank loans high -quality customers”
Lyle
Civil servants, in public institutions, listed companies, large -scale state -owned enterprises and foreign companies, are all customer groups of high -quality units of bank loan.
The expansion information:
. Definition: The simple and popular understanding of loans (electronic debit credit loans) is to borrow money for interest.
. Payment method: (1) equivalent principal and interest repayment: that is, the sum of the principal and interest of the loan adopts a monthly equal repayment method. Housing provident fund loans and most banks' commercial personal housing loans have adopted this method. This method is the same monthly repayment amount; (2) equivalent principal repayment: that is, the borrower shares the loan amount to the entire repayment period of each period (month). A method of repayment on loan interest during the trading day to this repayment date. The monthly repayment amount decreases monthly by month; (3) The monthly repayment of interest payments will be repaid: that is, the borrower will return the loan principal at one time on the loan expiration date [the period of less than one year (including the period (including the period (including the period (including the period (including one year One year) Loan applicable], the loan is calculated on a daily interest, and the interest is returned on the monthly; (4) Repairing some loans in advance: that is, the borrower shall apply to the bank to repay part of the loan amount in advance, and the general amount is 10,000 Or an integer multiple of 10,000, after repayment, the loan bank will issue a new repayment plan at this time. Among them, the repayment amount and the repayment period will change, but the repayment method is unchanged, and the new repayment period of repayment period Do not exceed the original loan period (5) Repairing all loans in advance: that is, the borrower shall apply to the bank to repay the amount of all loans in advance, and after repayment formalities. (6) With the borrowing: The interest after the loan is calculated by the day, using one day a day. You can settle the money at any time without liquidated damages.
. The "three -sex principle" of loans: refers to security, liquidity, and benefits. This is the fundamental principle of loan operations of commercial banks. 1. Loan security is the primary problem facing commercial banks; 2, liquidity refers to the ability to recover loans at the predetermined period or quickly realize in a state of no loss to meet the needs of customers to withdraw deposits at any time; 3, benefits are the basis for the continuous operation of banks. For example, if long -term loans are issued, interest rates are higher than short -term loans, and the benefits are good. However, the loan period is long, and the risk will be increased, the safety is reduced, and the liquidity will weaken. Therefore, the "three sex" must be harmonious, so that the loan can not have problems.
Civil servants, public institutions, listed companies, large state -owned enterprises and other foreign companies are all customer bases for high -quality units. The conditions for applying for loan business: 1, natural person aged 18-65 years old; 2, the actual age plus loan application period of the borrower shall not exceed 70 years; 3, having having having having hate The ability to stabilize occupations and stabilize income, pay the principal and interest of loan on schedule; 4, good credit reporting, no bad records; 5, other conditions prescribed by banks.
Civil servants, in public institutions, listed companies, large -scale state -owned enterprises and foreign companies, are all customer groups of high -quality units of bank loan.
The expansion information:
. Definition: The simple and popular understanding of loans (electronic debit credit loans) is to borrow money for interest.
. Payment method:
(1) equivalent principal and interest repayment: that is, the sum of the principal and interest of the loan adopts a monthly equal repayment method. Housing provident fund loans and most banks' commercial personal housing loans have adopted this method. This method is the same monthly repayment amount;
(2) equivalent principal repayment: that is, the borrower shares the loan amount to the entire repayment period of each period (month). A method of repayment on loan interest during the trading day to this repayment date. The monthly repayment amount decreases monthly by month;
(3) The monthly repayment of interest payments will be repaid: that is, the borrower will return the loan principal at one time on the loan expiration date [the period of less than one year (including the period (including the period (including the period (including the period (including one year One year) Loan applicable], the loan is calculated on a daily interest, and the interest is returned on the monthly;
(4) Repairing some loans in advance: that is, the borrower shall apply to the bank to repay part of the loan amount in advance, and the general amount is 10,000 Or an integer multiple of 10,000, after repayment, the loan bank will issue a new repayment plan at this time. Among them, the repayment amount and the repayment period will change, but the repayment method is unchanged, and the new repayment period of repayment period Do not exceed the original loan period
(5) Repairing all loans in advance: that is, the borrower shall apply to the bank to repay the amount of all loans in advance, and after repayment formalities.
(6) With the borrowing: The interest after the loan is calculated by the day, using one day a day. You can settle the money at any time without liquidated damages.
. The "three -sex principle" of loans: refers to security, liquidity, and benefits. This is the fundamental principle of loan operations of commercial banks.
1. Loan security is the primary problem facing commercial banks;
2, liquidity refers to the ability to recover loans at the predetermined period or quickly realize in a state of no loss to meet the needs of customers to withdraw deposits at any time;
3, benefits are the basis for the continuous operation of banks. For example, if long -term loans are issued, interest rates are higher than short -term loans, and the benefits are good. However, the loan period is long, and the risk will be increased, the safety is reduced, and the liquidity will weaken.
Therefore, the "three sex" must be harmonious, so that the loan can not have problems.
Civil servants, public institutions, listed companies, large state -owned enterprises and other foreign companies are all customer bases for high -quality units.
The conditions for applying for loan business:
1, natural person aged 18-65 years old;
2, the actual age plus loan application period of the borrower shall not exceed 70 years;
3, having having having having hate The ability to stabilize occupations and stabilize income, pay the principal and interest of loan on schedule;
4, good credit reporting, no bad records;
5, other conditions prescribed by banks.