How many kinds of postal savings bank loans are there?

1.How many types of loans will the Postal Savings Bank have in 2020?

1, syndicated loan

Syndicated loan refers to a loan method that allows many banks or non-bank financial institutions to operate loan business, and provides funds to the same borrower according to the agreed term and conditions based on the same loan conditions and the same loan agreement. According to the different loan methods, syndicated loans are divided into direct syndicated loans, indirect syndicated loans and joint loans.

2. Real estate development loans

Real estate development loans refer to loans issued by banks to borrowers for the development and construction of real estate projects sold and leased in the market. The types of real estate development loans include both housing development loans and commercial housing development loans. Development loans with various maturities, quotas and purposes can be provided.

3. Entrusted loan

Entrusted loan refers to a loan provided by a government department, enterprise, institution or individual, with the Postal Savings Bank as the trustee (lender), domestic and foreign enterprises (enterprises) legal persons or other economic organizations as the borrowers determined by the client, and with the purpose, currency, amount, term, interest rate and repayment method determined by the client to issue, supervise the use, assist in recovering the principal and interest and collect the handling fee.

4. Corporate loans

The small business loan of China Postal Savings Bank refers to the RMB-guaranteed loan provided by Postal Savings Bank for the normal production and operation of enterprises. The small business loan of Postal Savings Bank has the characteristics of simple application, high examination and approval efficiency and flexible loan methods, and can be secured by land and real estate mortgage, policy guarantee company and so on.

5. Second-hand housing loans

Personal housing mortgage loan refers to the loan issued by postal savings institutions to borrowers for the purchase of housing or commercial housing. Applicable to natural persons aged 18-60 with full capacity for civil conduct; Have a stable occupation and income, have the ability to repay, and have a good credit record.

Second, if the personal business loan is not repaid, the bank will handle it like this.

If an individual is in loans overdue, the bank will ask for repayment first. If you return it, you can appeal and the property will be frozen. If your personal business loan cannot be repaid on time due to poor management, you will receive overdue phone calls and notices from the bank. If it is overdue for more than three times in a row, you will receive a lawyer's letter from the bank. If you can't repay the principal and interest of the bank, the bank will take the form of litigation preservation, apply for freezing your collateral, and auction the collateral to settle the expenses. I suggest you find a way to repay as soon as possible, otherwise your personal credit record will be lost.

1.( 1) The personal enterprise loan cannot repay the principal and interest on schedule due to poor management, and it will be recovered if it fails to repay the loan on schedule for two consecutive periods. If more than three consecutive installments are overdue, the bank's principal and interest will not be repaid due to poor legal management of the bank. The bank will apply for freezing your collateral in the form of litigation preservation and auction the collateral to repay the bank's principal and interest and related expenses.

It is risky to lend the bank money to personal business. According to the requirements of the "three laws and one policy" of the China Banking Regulatory Commission, personal loans exceeding 300,000 yuan must be paid by entrusting to the other party's account; If the amount is below 300,000 yuan, you can open an account. It depends on his loan repayment, and the amount is more than 300,000. To prevent counterparties from becoming related parties. When applying for a loan, it is impossible to use only one copy. The person who borrows money from this bank is the borrower.

3. Personal business loans refer to loans that borrow money from banks or update business equipment to pay for production and business activities under the lease operation mode. The handling process includes issuing loans, repayment and payment according to procedures after consultation and verification. This kind of loan is more complicated with the management of small and medium-sized enterprises to some extent. Therefore, branches with great market potential, high management level, good asset quality and low non-performing rate of personal loans choose operating institutions for personal business loans. Classification: Industrial loans can be divided into single enterprise special loans and single enterprise working capital loans.

3. What are the types of personal loans?

Loans are divided into short-term working capital loans, medium-and long-term working capital loans, fixed assets loans and personal business loans according to business types. I think you may be more concerned about the classification of personal loans. Judging from the types of loan business currently operated, each has its own advantages, but the categories are basically the same or similar. The following is for your reference. Such as: personal housing mortgage loan, personal business, white-collar loan, automobile consumption loan, personal comprehensive consumption loan, personal business loan, student loan and so on.

Four, the types of personal business loans

Legal analysis: Personal business loans are mainly divided into the following five types: personal commercial housing loans, personal short-term business loans, personal medium and long-term business loans, personal small equipment loans, and personal business real estate mortgage loans. 1. Personal commercial housing loan: RMB loans granted by banks to borrowers for purchasing various commercial and business houses. Mortgage loans for commercial and residential dual-use houses are managed with reference to commercial housing loans.

Legal basis: 2. Personal short-term commercial loans: RMB loans granted to borrowers for the flow of production and business activities. 3. Personal medium-and long-term business loans are RMB loans issued to borrowers for medium-and long-term capital needs such as fixed assets investment, project renovation, business premises renovation and liquidity in production and business activities. 4. Personal small equipment loan: it is a RMB loan granted to borrowers for purchasing small equipment (including engineering vehicles and commercial vehicles). ) needed in production and business activities. 5. Personal property mortgage refers to the property that has been completed and accepted and used for office, retail and industrial production in shops through commercial operation such as leasing. Article 667 of the Civil Code of People's Republic of China (PRC): A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.