In real life, we always meet the lack of money please condition. For example, we in the self employment, production and operation of stock company, financial turnover difficult, and a car, buy a house, go abroad, if the lack of its own funds, bank loans have become a pressing matter of the moment. Corresponding with this, the Bank launched a variety of names of loans to borrowers, solution of capital shortage, the name many, people can see things in a blur.

Mortgage

Mortgage loan is referred to as a collateral to obtain bank loan guarantee. The maturity of the loan, the borrower must be returned in full, otherwise the bank has the right to processor collateral, as a kind of compensation.

Range of collateral, can be roughly divided into the following six categories:

1) inventory pledge: product, raw material, WIP and manufactured goods.

2Ledger:) mortgage customers into the accounts receivable as collateral.

3Mortgage backed securities): various securities such as: stock, drafts, promissory notes, bonds, certificates of deposit.

4) equipment mortgage: machinery and equipment, vehicles, ships etc..

5) not the chattel mortgage: land, housing etc..

6) insurance policy mortgage insurance contract: to surrender gold cap, the insurance policy mortgage.

Usually, the bank also played the last discount in the treatment of collateral, such as a certificate of deposit95Folding, real estate is less than7Folding, other property is usually not to6Fold. The discount of future bank loan provides a margin of safety.

Bank mortgage lending, usually in accordance with the loan purpose named: such as small mortgage loans, housing loans, car loans, consumer durables loans, personal consumer loans, business loans and so on. No matter what names to these loans, in what place, they all have a common characteristic--Take the property as collateral.

Pledge loans

The pledge to the bank to pledge, the right to the use of the compounds with the bank. And the mortgage is the difference, not to mortgage collateral, banks do not have the right to use. Loan is a bank to the borrower or the third party's immovable property or rights as collateral loans.

As a matter of pledge includes: Treasury, state key construction bonds, financial bonds, 3ACorporate bonds, certificates of deposit, and security etc.. Among them, the bank drafts, bank acceptance, cheques, promissory notes, certificates of deposit, treasury bills and other securities pledge, the pledge rate shall not exceed a maximum of90%. In real estate, stock, commercial acceptance bills, warehouse receipts, bills of lading, pledge, pledge rate shall not exceed a maximum of70%; to other movables or rights pledge, the pledge rate shall not exceed a maximum of50%.

The certificates of deposit, bonds, funds and other securities are relatively easy to pledge, this kind of goods is more common, banks are also willing to grant. On the contrary, stock, warehouse receipts, intellectual property, real estate and other assets, or high risk, or change is difficult, so not too easy to obtain bank loans.

The pledge as deposit, bond and so on have a certain maturity, thus affecting the lending cycle, this is the loan need to pay attention to the local.

Credit loans

As the name suggests is to the borrower's credit loans, the borrower is not required to provide collateral, only by virtue of their reputation can get loans. According to the unit, banks in general to conduct a detailed investigation on the economic benefit, management level, development prospects, in order to reduce the risk. If it is for the people, to understand their personal information.

The interbank competition, enterprise credit consciousness and has improved significantly, with excellent customer relationship further, banks often have some of their many years of cooperation, each is also very understanding, never had bad records. If these enterprises experienced a temporary shortage of funds, even if the enterprise without collateral, no guarantor, the bank will moderate granting credit loans, and the enterprise will produce higher loyalty to the bank.

Bank loans to business credit loans:

1Comprehensive credit:) of some operating conditions, good credit and reliable enterprise, to a certain period of time within a certain amount of credit lines, enterprises can be recycled in the scope of validity and the amount.

2) credit secured loan: guaranteed by credit guarantee institutions, bank loans to enterprises.

3Overdraft loans): Bank customers by allowing overdrafts on the account way of providing loans to customers.

4) standby loan commitment: sign a formal contract between banks and enterprises, in the contract to provide the corresponding bank loan commitment within a specified time limit and limit within the enterprise, the enterprise to provide the cost for banks.

5) discount: enterprises will not due bill submitted to the bank, by the banks from the discount date to the maturity date of interest and obtain cash.

In recent years, banks began to pay attention to personal credit loans, the bank issued to creditworthy borrowers without the guarantee of the credit, the personal credit and repayment ability as the basis, the general line in the10Million or less, high not more than50Million, loan period is1-2Years. There are two main ways: one is the micro credit loans to individuals, two is the credit card.

Micro credit loans to individual although the amount is small, but the names and the figure is particularly much, such as personal business loans, payday loans, student loan, loan, loan, the elite civil servants, Home Furnishing marriage loan loan, loans, student loans, tourism consumption loans, so dizzying. These loans are consumer credit, the names and the figure is only a means banks attractive.

Credit card is widely known, to promote better, it is the banks offer a personal consumption in advance after the repayment of the micro credit payment instruments, smaller, interest free repayment period20-50Day.

Micro credit loan and credit card is the most easy to obtain bank loans. Unfortunately, there are a lot of people are not aware of the high interest loans, because it is implicit in a variety of procedures ferry, the real annual interest rate of15%-20%Which credit card, the annual interest amounted to18%Be worthy of the name, the usury!

Entrusted loan

The bank entrusted by the client, client funds, according to the client to determine the loan object, purpose, amount, term, interest rates, generation to the borrower, supervision and assistance to recover, which is entrusted loans. Its essence is the bank is not the fund provider, but play an intermediary role in the third party.

Direct financing transactions both lenders and borrowers entrusted loans, the bank "third party" independent witness, standard contract documents, properly handle mortgage loan (secured) procedures, to recover the loan principal and interest and for collection services, can reduce the credit risk, to provide better protection for the principal creditor's rights.