The difference between consumer loans and commercial loans

First, the difference between consumer loans and commercial loans.

Loans have different uses. The funds for operating loans can only be used for operating physical places, while the funds for consumer loans are mainly used for consumption. The loan subject is different. The main body of commercial loans is generally enterprises, and the main body of consumer loans is generally individuals. The loan amount is different: the loan amount of operating loans is higher than that of consumer loans. Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation. What is a mortgage loan? 1, mortgage, also known as mortgage loan. Mortgage means that the buyer fills in the application for mortgage loan to the bank and provides legal documents such as ID card, income certificate, house sales contract and guarantee letter. 2. After passing the examination, the bank promises to issue loans to the buyers, and handle the real estate mortgage registration and notarization according to the house sales contract provided by the buyers and the mortgage loan contract concluded between the bank and the buyers. 3. The bank will directly transfer the loan funds to the account of the seller's unit in the bank within the time limit stipulated in the contract. The repayment bank card is the same as the ordinary bank card. Fees are based on each bank. Some banks charge card fees, some don't, some charge annual fees, and some don't. It doesn't matter whether it is a credit card or not. It's just that this card is a repayment card by default in the system of the bank where you borrow money. On the day of monthly interest deduction, it will automatically deduct the money from your card without delaying your access and use. There is no difference except that there is an automatic loan deduction function more than ordinary cards, and it can be used normally! Note: don't forget to leave enough money in the card when the repayment date arrives, otherwise your credit history will be affected if you can't deduct the money. So, is the card that repays the mortgage necessarily a first-class card? Banks have no restrictions on bank cards for mortgage repayment. Therefore, the card for mortgage repayment is not necessarily a type of card. Banks can distribute their loan funds to second-class accounts and repay them through second-class accounts. As for the three types of accounts, it will not work. When people use cards, it should also be noted that there are no restrictions on one type of card, while there are certain restrictions on two types of cards and three types of cards. Among them, the second type card realizes the transfer of funds from unbound accounts, deposit and withdrawal, consumption and payment. The daily cumulative limit is 6,543,800 yuan, and the annual cumulative limit is 200,000 yuan; For the third type of card, except that the funds are transferred to the unbound account, the daily cumulative limit of consumption payment is 5000 yuan, the annual cumulative limit is 654.38+10,000 yuan, and the balance shall not exceed 654.38+10,000 yuan. For example, the first-class card is the most widely used, and the second-class card can be used for daily consumption. As for the third-class card, it can be used for quick payment and so on. For example, a card is like a "big till"; The second type of card is "wallet"; The third card is the "coin purse".

Second, find out how many illegal use of commercial loans?

Not much. According to the statistics of the national public security system, since 202 1.77 1.73 million yuan, the accumulated operating loans of all Chinese commercial banks have been found to be illegal, accounting for almost 501.8000.

Third, the scope of use of commercial loans?

1. The operating loan can be used as the legitimate production and operation activities of the borrower and the required working capital, used to purchase and update the operating equipment, pay the expenses for renting the business premises such as office buildings, and used for the decoration of the business premises;

2. Loans to advantageous industries include manufacturing, wholesale, retail and logistics.

3. The banks that provide commercial loans include China Merchants Bank's commercial loans, old customer credit loans, pos merchant loans, supply and marketing loans, ICBC's online loan links, Bank of Communications' exhibition links, Ping An Bank's commercial loan links, and China Everbright Bank's "Sunshine Student Aid".

4. What is the purpose of operating a real estate loan?

Operating property loans usually do not limit the use of funds, such as decoration, new construction or other purposes; Usually operating property loans are medium and long-term loans, as long as there is good cash flow.