Bank loan terms:

The lender has a stable occupation and income, and the lender has the ability to repay the loan principal and interest on time. The actual age of the lender plus the loan application period shall not exceed 70 years old.

Loan conditions refer to the conditions that borrowers or individuals should have to borrow from banks. The current loan conditions of Chinese banks are:

(1) An enterprise established with the approval of the competent department and holding a business license issued by the administrative department for industry and commerce at or above the county level, and a product with a production license for industrial products implemented by the state shall obtain a production license, that is, the loan object is legal;

(2) independent economic accounting, with capital utilization, production and operation management, that is, the loan object has obtained legal person status and assumed clear economic responsibilities;

(3) Have a certain amount of self-owned liquidity and establish a liquidity supplementary system, that is, the loan object should have the ability to operate normally and take risks;

(4) Open an account in a bank and submit financial and accounting statements and statistical data to the bank on time, that is, the loan object should accept the supervision of the bank.

Bank loan related knowledge

Hello, generally speaking, the basic conditions for personal loans are as follows:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business needs a down payment, it has the ability to pay the full down payment;

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;

5, such as credit loans, need to have a good reputation;

6. Other conditions meeting the requirements of the bank.

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I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

Explain the basic knowledge of bank loans.

Basic knowledge of bank loans

1303 loan

First, this subject accounts for all kinds of customer loans issued by enterprises (banks) according to regulations, including mortgage loans, guaranteed loans and credit loans.

Syndicated loans, trade financing, agreed overdrafts, credit card overdrafts, sub-loans and advances issued by enterprises (banks) according to regulations are accounted for in this account; You can also set up syndicated loans, trade financing, agreed overdraft, credit card overdraft, refinancing, prepayment and other subjects separately.

Enterprise (insurance) policyholders can change this subject to "1303 policyholders". For enterprises (pawn) and mortgage loans, the subjects can be changed to "1303" and "1305 mortgage loans". Enterprises entrust banks or other financial institutions to lend to other units, and can change this subject to "1303 entrusted loans".

Two, this course can be based on the loan category, customer, respectively, "principal", "interest adjustment", "impairment" and other detailed accounting.

Third, the main accounting treatment of loans.

(a) loans issued by enterprises should be debited to the subject (principal) according to the contract principal of the loan, and credited to the subjects such as "deposit absorption" and "deposit with the central bank" according to the actual amount paid. If there is any difference, the account shall be debited or credited (interest adjustment).

On the balance sheet date, according to the interest receivable determined by the principal of the loan contract and the expected annualized interest rate of the contract, debit the account of "interest receivable", credit the account of "interest income" according to the interest income determined by the loan amortized cost and the actual expected annualized interest rate, and debit or credit the account according to the difference (interest adjustment). If the difference between the expected annualized interest rate of the contract and the actual expected annualized interest rate is small, the expected annualized interest rate of the contract can also be used to calculate and determine the interest income.

When the loan is recovered, the subjects such as "deposit absorption" and "money deposited in the central bank" should be debited according to the amount returned by the customer, and the subjects such as "interest receivable" should be credited according to the recovered interest amount, and the subjects such as "interest income" should be credited according to the returned loan principal. If there is any interest adjustment balance, it should also be carried forward at the same time.

(2) On the balance sheet date, if it is determined that the loan is impaired, according to the amount to be written down, debit the "asset impairment loss" account and credit the "loan loss reserve" account. At the same time, the balance of this account (principal and interest adjustment) should be transferred to this account (impairment), debited to this account (impairment) and credited to this account (principal and interest adjustment).

On the balance sheet date, the interest income calculated and determined according to the loan amortized cost and the actual expected annualized interest rate shall be debited to the "loan loss reserve" account and credited to the "interest income" account. At the same time, the interest receivable amount calculated and determined according to the contract principal and the expected annualized interest rate of the contract will be registered off-balance-sheet.

When the impaired loan is recovered, the subjects such as "deposit absorption" and "money deposited in the central bank" should be debited according to the actual amount received, the subjects such as "loan loss reserve" should be debited according to the balance of relevant loan loss reserve, and the subjects such as "asset impairment loss" should be credited according to the relevant loan balance.

Loans that are truly irrecoverable shall be written off as bad debts after being approved by the management authority, debited to the subject of "loan loss reserve" and credited to the subject (impaired). According to the management authority, after approval, write off the off-balance-sheet interest receivable and reduce the amount of off-balance-sheet "interest receivable" subjects.

If the loan that has been confirmed to be written off is recovered later, it shall be debited to the account (impairment) according to the balance of the original written-off impaired loan, credited to the account "loan loss provision", debited to the account "deposit absorption" and "money deposited in the central bank" according to the actual amount received, credited to the account (impairment) according to the balance of the original written-off impaired loan, and credited to the account "asset impairment loss" according to the difference.

Four, the final debit balance of this course, reflecting the enterprise in accordance with the provisions in amortized cost has not yet recovered the loan.

Definition of loan: a way to use credit funds. In the case of repayment, certain interest is paid according to the amount and time of borrowing. A loan is a way to borrow money from a bank with your property as collateral when there is a problem with funds.

What bank loan?

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain expected annualized interest rate according to national policies and return them within the agreed time limit. Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

Basic definition

Bank loan refers to an economic behavior that individuals or enterprises lend funds to individuals or enterprises in need of funds at a certain expected annualized interest rate according to the policies of the country where the bank is located, and return them within the agreed time limit.

Two. Classification and definition of loans

The types of bank loans in China can be divided into different types by different standards and from different angles.

1, according to the loan term

According to the length of the loan period, loans can be divided into short-term loans and medium-and long-term loans.

1), with a term of 1 year or 1 year, characterized by short term, low risk and low expected annualized interest rate. They are usually issued in the form of "loans", which are mainly used to meet the needs of borrowers for short-term funds.

2) The medium and long-term loans are all above 1 year, which has the characteristics of long term, high expected annualized interest rate, poor liquidity and high risk.

2. According to the purpose of the loan.

According to the different purposes of loans, loans can be divided into working capital loans, fixed capital loans, science and technology development loans and special loans.

1), working capital loans include working capital loans, revolving loans, inch loans and settlement loans, which are loans that enterprises apply to banks to solve the shortage of working capital.

2) Fixed assets loans include capital construction loans, technical transformation loans and special fund loans, which are loans that enterprises apply to banks to meet the capital needs of their fixed assets maintenance, renewal, transformation or expansion.

3), science and technology development loans are loans that enterprises apply to banks to solve the capital needs of introducing advanced technologies, new processes and developing new products.

What is a corporate loan?

Enterprise loan refers to a way for enterprises to borrow money from banks or other financial institutions according to the expected annualized interest rate and term for production and operation needs. Enterprise loans are mainly used for large-scale long-term investments such as the purchase and construction of fixed assets and technical transformation. Corporate loans can be divided into: working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, corporate certificates of deposit, gold, syndicated loans, bank acceptance bills, discount of bank acceptance bills, discount of commercial acceptance bills, discount of interest-bearing bills by buyers or agreements, domestic recourse factoring, and export tax rebate account custody loans.

Corporate loans can be divided into

Working capital loans, fixed assets loans, credit loans, secured loans, stocks, foreign exchange, enterprise certificates of deposit, gold, syndicated loans, bank acceptance bills, bank acceptance bills discounting, commercial acceptance bills discounting, interest-bearing bills discounting by buyers or agreements, domestic recourse factoring, export tax rebate account [1] custody loans.

Loan principle

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves in accordance with the principles of safety, liquidity and efficiency."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the annualized interest rate is expected to be higher than that of a short-term loan, and the income will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.

What is a personal loan from a bank?

Personal bank loans are small, short-term or long-term RMB personal loans provided by banks to customers for legitimate business activities. Personal loans provided by banks are different, generally including the following: personal housing loans, personal automobile consumption loans, personal durable consumer goods loans, personal business loans, personal valuable documents and personal micro-credit loans.

The characteristics of personal loans are: 1, and the expected annualized interest rate is high; 2. The scale is cyclical; 3. The borrower lacks the expected annualized interest rate elasticity.

Loan object condition

1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland;

2. Pay the down payment (not less than 30% of the total purchase price);

3. Have a stable economic income and the ability to repay the loan principal and interest;

4. Agree to use the purchased property as loan collateral.

1. The loan can only use collateral, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of collateral;

2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest;

3. Guarantor;

4. Information provided: ID card, household registration book, proof of marital status, proof of income, real estate license, ID card, household registration book, proof of marital status of guarantor and other relevant information required by the bank.

You also need to pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee and property evaluation fee.

Materials required for application

Information to be published and provided

1. Original and photocopy of resident ID card;

2. The original and photocopy of the house subscription book;

3. The original and photocopy of the down payment;

4. Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.