Nowadays, there are more and more borrowers, but several people are not familiar with the basic theoretical knowledge system of loans. Today, I will conduct a summary analysis of 10 loan companies need to pass to understand the common sense.

Execution record:In the implementation of special coercive measures,物業貸款 the people's court enforcement officers in accordance with the provisions of legal documents to force the executee to complete the specified behavior.

Loan companies can apply for work environment conditions: 1. natural persons aged 18-65 years old (Hong Kong, Macao, Taiwan, the Mainland and foreigners can also be); 2. with a stable and sustainable development of Chinese society student occupation, stable market economic business income, the ability to repay the principal and interest on the loan provided by the enterprise on a regular basis.

White account and pure white account: White account means that there is no loan record in the personal history and no loan record is reflected in the credit report.

Black Account: A black account is a borrower who does not fulfill his or her obligations under the loan contract and does not perform after repeated requests for repayment and interest.

Monthly interest rate x%, monthly interest x cents: percentage points and cents, where "percentage points" means only one thousandth. For example, if the monthly interest rate is 6%, it means that the monthly interest rate is 0.6% of the loan business amount. If a business lends $360,000, the interest rate is $2,160. (Usually, "percentage" is commonly used to express the monthly bank interest rate.) In this case, "percentage" means one percent. For example, a monthly interest rate of 1 cent means that the monthly interest rate is 1% of the amount of the loan program. If a student takes out a loan of $360,000 for one month, the interest rate is $3,600.

Monthly Management Service Rate: In many cases, in microfinance companies or commercial development banks, it is often used as a substitute for the monthly interest rate, which is particularly closely related to the interest on the loan. In addition to the fact that both call themselves to work, there is a significant difference in the way computers are taught. The so-called monthly management fee is based on the original loan amount to calculate the interest data, and the monthly interest rate is calculated on the basis of the remaining principal amount of the monthly interest charges.

Long-term loan: The borrower applies for a loan from several banks or NGOs with the same set of loan documents. This set of application documents is completely authentic and achieves effective financing gap filling.

Credit economic cycle: The bank completes the qualification of the corporate customer and approves to it the adoption of a certain credit line. Within the set period and credit limit, the customer can enjoy the facility of on-demand, revolving system utilization at any time without the need to repeatedly submit loan business applications to the bank.

Credit information blacklist: "1" indicates 1-30 days overdue, "2" indicates 31-60 days overdue, and so on. Many financial institutions or credit counseling companies identify people who are more than 90 days overdue as people who have been denied credit. The central bank's credit information center does not evaluate individual credit, let alone classify it as "good" or "bad". The CBC is a "record" and not a "judgment".

Bad data records are kept for 5 years: "Information records with adverse effects on society are kept for a working period of time", the official micro response of the Central Bank: The credit system keeps bad online information for a period of time, and the incident can be terminated from the date of the bad behavior or within 5 years. It is worth noting that the 5-year retention period is calculated after the payment of arrears, and it cannot be wrongly assumed that bad learning records automatically disappear after 5 years, so the arrears do not have to be returned.

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無担保ローンの主なアセットタイプは、クレジットノート

ビジネスローンに関するこんなセオリーを知っておこう。

ローン・リテラシー：クレジット≠ローン