The guarantee:Refers to the third man and the creditor, the debtor does not fulfill the debt, by third according to a shall perform the obligation or responsibility guarantee way

The slave:Refers to the purchase of residents each year at least 40% of disposable income to 50% or even higher proportion of repayment of principal and interest for loans, long-term pressure resulting in the household life, affecting the normal consumption. Such as children's education expenses, medical expenses and supporting the old, the decline in the quality of family life.

The mortgage:Refers to the transfer of real estate mortgage mortgage property, the beneficiary as a repayment guarantee mortgage in repaid loans, mortgage beneficiaries will be immediately transferred to the housing property, the mortgage process enjoys the right of use.

The mortgage:"To the mortgage" is individual housing refinancing loans, individual housing refinancing loans refer to in the bank for individual housing loan borrowers, apply to banks for loans extended the term of the loan or mortgaged to the bank's individual housing sold or transferred to third people to apply for individual housing loans loan period, the borrower or change change change mortgage loan.

The collateral:Collateral also known as "collateral", referred to as the mortgage of real bank loans, mainly land, houses, securities and commodities. As collateral for loans, the general should have the following conditions: (1) the value is relatively stable, smaller price fluctuations in the market; (2) easy to sell strong, have broad market, can be sold; (3) easy storage, non perishable damage; (4) were required identification technology is not very complicated.

The grace period:And the bank agreed to this period of time can only pay interest, not principal

The fine for delaying payment:Payment is in excess of the prescribed time limit, the payer collection to a character sums with penalty, usually by exceeding the prescribed time limit the number of days, every day should pay a certain percentage of the amount of tax.

A fortnight:The so-called "fortnight for loans", refers to the individual mortgage loans from the monthly repayment of a change every two weeks repayment time, repayment amount each month for half of the original.

The credit loan:Credit refers to the borrower's credit loans, the borrower is not required to provide guarantee. Its characteristic is that the debtor without collateral or third party guarantee only by his reputation will be able to obtain loans, and to the credit of the borrower as a repayment guarantee. This credit is the main way for a long time the loan bank of our country. Because of the risk of such loans is larger, the general to carry out a detailed review of the borrower's economic benefit, management level, development prospects, in order to reduce the risk.

The housing loan:Housing loan interest rates by the original higher bank transfer to low interest bank for housing loan

The entrusted loan:Entrusted loan refers to the client provide legitimate sources of funds, commissioned by the bank according to the client to determine the loan object, purpose, amount, term, interest rates to extend, supervision and assistance loan business. Clients include government departments, enterprises and institutions and individuals.