Why do employees of rural commercial banks come to promote interest-free loans? (Apply for an interest-free loan? )

Answer: The purpose of promoting interest-free loans is

Complete the loan marketing task and get paid.

But there are two kinds of interest-free loans, one is real interest-free loans, and the other is fake interest-free loans. Be sure to keep your eyes open and distinguish clearly.

real

interest-free loan

First of all, it should be clear that China's commercial banks are all financial institutions under the leadership of our party, and all business activities are based on the needs of national development.

At present, we are constantly pushing forward the reform of the market economic system, and the core issue of the economic system reform is to correctly handle the relationship between the government and the market, and we must respect the laws of the market more, so that the market can play a decisive role in the allocation of resources and better play the role of the government.

Therefore, when the state requires commercial banks to take the initiative to assume social responsibilities, develop inclusive finance and support local economic development, we have to consider the factors of market economy.

Because banks are also independent accounting enterprises, they should be responsible for their own profits and losses, so in order not to let banks suffer too much losses, they have jointly launched various policy loans with commercial banks.

This kind of policy loan generally realizes the benchmark interest rate, but the interest is borne by the finance, and the borrower does not have to pay interest, so it is also called interest-free loan by the borrower.

Main types of policy interest-free loans

There are two typical types of interest-free loans, one is poverty alleviation loans, and the other is reemployment loans for laid-off workers.

Among them, the poverty alleviation loan is an interest-free loan led by the poverty alleviation office, subsidized financially and specifically issued by commercial banks. Loans are granted to poor households who set up files and set up cards.

Because the repayment ability of most poor households is very weak, loan contractors are often reluctant to issue such loans. However, in order to win the overall victory in the fight against poverty, poverty alleviation loans often have hard task indicators. At what time, how many poverty alleviation loans banks must put in, and they must be completed to the letter, which is related to the hat of bank executives.

Therefore, the loan undertaking bank must take the initiative to go out and find customers and complete the task within the specified time.

The other is the reemployment loan for laid-off workers. This kind of loan is a special interest-free loan for laid-off workers, which is generally led by the local labor department, financially subsidized and specifically issued by commercial banks.

However, although such loans have tasks, they are not as strong as poverty alleviation loans.

The above two types of policy loans are aimed at social vulnerable groups and are also the targets of state assistance. Although they all have interest, they are all financial discounts, so they are real interest-free loans for borrowers.

wrong

interest-free loan

There is also an interest-free loan, but it secretly charges fees. This kind of loan is a fake interest-free loan.

This kind of fake interest-free loans often take credit cards as the carrier, under the banner of interest-free, under the banner of installment interest-free loans, but they are engaged in collecting service fees.

For example, all kinds of credit cards launched by major commercial banks are staged. Generally, the credit is less than 300,000 yuan, and the longest term is 5 years. There is no interest, but a service charge of 3-5% is charged. There are also some online lending institutions that engage in similar so-called "interest-free loans", but they will charge fees through various names, such as service fees and insurance premiums. The actual cost is extremely high, please be vigilant.

The stunt of interest-free loan is very attractive, but it actually has a cost, but it is not called interest, and it has changed its name. As for the interest rate, it depends on the individual.

Personally, the interest rate of the bank is very low, and I also organized the staging of the big bank of the universe, which is very cost-effective compared with the disguised low-interest credit loan.

Write it at the end of the sentence

Although I don't know what loan the questioner is selling, I hope everyone will remember:

There is no free lunch!

There is no free lunch!

There is no free lunch!

thank you

Who was the first person to dream big? I've known all my life,

The thatched cottage sleeps well in spring, and the sunset is late outside the window.

Toutoujun, do you have cyclamen?

In short, it is conducive to increasing the total amount of mortgages! Not to mention small farmers' firms, even big banks are racking their brains for this matter!

Because recently, the central bank and China Banking and Insurance Regulatory Commission issued a heavy policy on mortgage. Notice on Establishing Centralized Management System for Real Estate Loans of Banking Financial Institutions

It's about tightening bank loans to real estate companies! And personal mortgage quota management.

As can be seen from the introduction of this new regulation, there is a ceiling for banks to lend to real estate companies and individuals in the future!

In other words, once the loans issued by banks reach a certain proportion, banks can no longer issue loans and personal mortgages to real estate companies!

So now banks are trying their best to expand the total amount of bank loans, and then expand the total amount of mortgages!

202 1, 1, 1, the central bank and the China Banking Regulatory Commission issued the heavy mortgage policy. The Notice on Establishing a Centralized Management System for Real Estate Loans of Banking Financial Institutions is mainly aimed at loans from banks to real estate enterprises across the country! And personal mortgage quota management.

It involves all provinces and cities in the country and concerns every bank and individual. And it will be implemented immediately from 20211!

According to this new regulation, from 202 1, the personal housing loans of these largest banks in China shall not exceed 32.5% of the total loans of the whole bank!

According to the requirements of the central bank and the China Banking Regulatory Commission, the upper limits of real estate company loans and personal housing loans for large banks, small and medium-sized banks, county rural cooperative institutions and village banks are as follows.

So what impact will this new mortgage rule have?

1, the impact on big banks is very limited, even beneficial.

2, for small and medium-sized banks, it is very unfavorable.

3, the excessive rise in house prices will be controlled.

4. The debt ratio for people has also declined.

5. The bad debt rate of banks has decreased!

As we all know, buying a house is generally based on mortgage loans. Unless the family is particularly rich, they will choose to pay in full. The introduction of this new regulation will control the rapid rise of the property market in the long run.

In other words, the new regulations put a "tight spell" on the upper limit of bank loans to real estate enterprises and personal housing loans.

However, I think it can be controlled, but it can't accidentally hurt the loan demand of just-needed buyers! I don't think the state will set obstacles for reasonable personal mortgage!

Seeing this, you will understand why the employees of rural commercial banks are now selling interest-free loans!

Because this new regulation has the greatest impact on rural commercial banks!

I wonder if you think this new regulation will have an impact on housing prices? Welcome to leave your opinion!

I'm Brother Wolf. Welcome to my humble abode and dance with wolves.

The following figure is part of this new regulation:

First of all, you should judge the authenticity of the employees of this rural commercial bank, especially former employees or impostors. Although I have never seen such a good thing, many people pretend to be bank employees to sell credit cards in name, but in fact they want to sell you pos machines. Besides, this is not bad. It's even more troublesome to meet a big liar. It's hard to prevent people from catching big fish in a long line!

After confirming your identity, you need to know whether the bank has this business. Many people think that insurance companies have holes. In fact, the bank has many pits. Many depositors who go to banks directly buy insurance and funds. This loan may have loopholes, especially such a good thing must be carefully understood, and it is best to ask people who have made such loans. I don't charge you a lot of messy fees when it's time to pay back the money. Of course you have nowhere to argue, and the bank won't tell you that.

The little people are really walking on thin ice everywhere. We are a bird, and there are bird traps and sticky nets everywhere, until our number is small enough to protect animals, such as that silly roe deer!

Interest-free loans, door-to-door sales, lending you money, pie in the sky, or production, or operation, or turnover, labor to get rich, congratulations.

If it is a real interest-free loan, if it is also needed for batch development, then accept it bravely.

Of course, borrowing money must have the ability and credibility to repay the loan, and you can't just sell it at home and say that you want a loan. If you don't pay attention to credit and repayment ability, don't be crooked.

Now the state stipulates that so much money cannot be lent to the real estate market, and relatively more money will be lent to industries, agriculture, processing, transportation, factories and companies, so that everyone can have sufficient investment and form an atmosphere in which everyone can do business. Therefore, banks sell interest-free loans and boldly borrow when they need to buy shares.

Let me answer you. On the one hand, the government will discount interest. Although the interest rate is not high, but it is higher than the cost of capital, you can still make money. The second is to fulfill social responsibilities and implement government policies. The government employment department has corresponding indicators to help the unemployed and entrepreneurs, banks and the government cooperate to achieve a win-win situation. The third is to expand and tap customer groups and enhance the image of banks.

Just because an interest-free loan doesn't charge you interest doesn't mean that the loan has no interest. Generally, such interest-free loans are subsidized by the government, and the interest is paid by the government. For banks, as long as they can collect interest, no matter who gives it.

First, correct the "interest-free loan" in the question. This kind of loan is called "reemployment discount guaranteed loan". Approved by the Employment Office, Finance Bureau and cooperative banks, it aims to support the unemployed, laid-off workers, landless peasants, veterans and newly graduated college students to start their own businesses.

The borrower must be one of the above five categories of personnel, have a formal business place, and have been engaged in legal business projects for more than 3 months. At the same time, the borrower needs to provide a person with a stable income and a fixed occupation as a loan guarantee.

First apply to the local employment office and submit materials for preliminary examination; Then the Employment Office, the Finance Bureau and the bank participate in the investigation, examination and approval, and the loan can only be issued after the bank passes; Finally, the Finance Bureau and the bank settle the interest, and the interest does not need to be borne by individuals. Individuals only need to repay the principal when the loan expires.

Why do employees of rural commercial banks come to market this loan product? With such a good policy, no one needs to bear the interest himself? In fact, this kind of loan threshold is quite high, and the corresponding conditions must be met to provide a guarantor.

Due to the asymmetric information between the two parties, banks need to expand their business and can only conduct outreach marketing. This product is a very good preferential policy for customers, especially in the early stage of starting a business, which requires capital investment.

However, after the re-employment loan, the bank will certainly continue to tap the comprehensive contributions of customers, such as deposits, credit cards, payment codes and so on. Therefore, banks attract customers to apply through preferential loan policies, so as to achieve customer stickiness and firmly grasp the capital movements of customers.

In fact, due to the limited number of discount places, the customers of this discount loan are mostly related households. In addition, due to the need for approval by three companies, the loan cycle is relatively long and the lending speed is relatively slow. At the same time, you need to provide a guarantor. Many people don't want to bother others, and they won't help others easily if they are not particularly excellent.

Information asymmetry causes many good policies to fail to reach those who need them most. The discount on loans is to reduce the financing cost of customers. The door-to-door service of rural commercial banks is to explain good policies to merchants clearly. This is called targeted marketing, not sales promotion.

Yes, these days, the employees of rural commercial banks are driving their cars and honking their horns every day, spreading the word that the loans of rural commercial banks have been liberalized, the interest rate is extremely low and the unsecured amount is huge. The author can't help but sigh that everything is really like this! .

Generally learn from CCB. For example, as long as there is no interest on renovation loans, the monthly payment of 654.38+ 10,000 yuan is more than 200 periods. In fact, change the soup without changing the medicine.