Let’s talk about the answer first: The purpose of promoting interest-free loans is to

complete loan marketing tasks and get salary

But there are two types of interest-free loans, one is We must keep our eyes open to distinguish between real interest-free loans and fake interest-free loans.

True

·

Interest-free loans

First of all, we must make it clear that China’s commercial banks are all under the leadership of our party All business operations of financial institutions are based on the needs of national development.

Currently, we are constantly promoting the reform of the market economic system, and the core issue of the economic system reform is to properly handle the relationship between the government and the market. We must respect the laws of the market more so that the market can play a decisive role in resource allocation and Better play the role of government.

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

Because banks are independent businesses and are responsible for their own profits and losses, in order to prevent banks from suffering too many losses, they jointly launch various policy loans with commercial banks.

Generally, this type of policy loan achieves a benchmark interest rate, but the interest is borne by the government, so the borrower does not need to pay interest, so it is also called an interest-free loan by the borrower.

Policy-type interest-free loans. Main types

The most typical types of such interest-free loans are poverty alleviation loans and reemployment loans for laid-off workers.

Poverty alleviation loans are provided by the Poverty Alleviation Office. Taking the lead, fiscal interest discounts, commercial banks specifically issue interest-free loans to registered poor households.

Since the repayment ability of most poor households is very weak, loan contracting banks are often unwilling. Grant this type of loan. However, in order to win the overall victory in the fight against poverty, poverty alleviation loans often have hard task targets. At what point in time, how many poverty alleviation loans must be issued by the bank, and it must be completed without any discount. It is related to the hat of bank executives.

So the loan undertaking bank must take the initiative to find customers and complete the task within the specified time.

The other type is to re-employ laid-off employees. Loans. This type of loan is specifically for laid-off workers and is generally led by the local labor department, with financial subsidies and interest-free loans issued by commercial banks.

However, although this type of loan has a mission, it is not like a poverty alleviation loan. The force of coercion is so strong.

The above two types of policy loans are aimed at vulnerable groups in society and are also targets of state assistance. Although they all have interest rates, they are both fiscally discounted, so they are real benefits to borrowers.

False

·

Interest-free loans

There is also a category of interest-free loans. However, handling fees are secretly charged, and this type of loan is a fake interest-free loan.

This type of fake interest-free loan is often carried out by credit card, in the form of installments, with the slogan of no interest, but They charge service fees, so they are called fake interest-free loans.

For example, the various credit card installments launched by major commercial banks generally have a credit limit of less than 300,000 and a maximum term of 5 years. There is no interest, but a service fee of 3-5 is charged. There are also some online lending institutions that offer similar so-called "interest-free loans", but they charge fees through various names, such as service fees, insurance premiums, etc., and actually bear the cost. It is extremely expensive, so please be careful.

The gimmick of interest-free loans is very attractive, but in fact it comes with a cost, but it is not called interest, but has a different name. As for the level of interest rates, it depends on the individual.

For me, the bank's interest rate is very low, and I also applied for an installment loan from Universe Bank. Compared with disguised low-interest credit loans, it is very cost-effective.

The last words

Although I don’t know what kind of loan the person who asked the question was being promoted, I hope everyone will keep in mind:

There is no free lunch in the world. !

There is no free lunch in the world!

There is no free lunch in the world!

Thank you!

Who wakes up from the big dream first? I know myself all my life,

I sleep enough in the spring in the thatched cottage, and the sun gets late outside the window.

Toutiaojun, will a fairy come to visit?

In a word, it will help increase the total amount of housing loans! Not to mention small rural commercial banks, even large banks are also racking their brains on this matter!

Because recently, the central bank and the China Banking and Insurance Regulatory Commission issued a major policy on housing loans. "Notice on Establishing a Concentration Management System for Real Estate Loans of Banking Financial Institutions"

It is about tightening bank loans to real estate companies! and personal mortgage limit management.

It can be seen from the introduction of this new regulation that there is an upper limit on the amount of loans that banks can lend to real estate companies and individuals in the future!

That is to say, once the housing loans issued by the bank reach a certain proportion, the bank is no longer allowed to issue loans to real estate companies and personal housing loans!

That’s why banks are now trying every means to expand the total amount of bank loans, and in turn, the total amount of housing loans!

On January 1, 2021, the Central Bank and the China Banking and Insurance Regulatory Commission issued a major policy on housing loans. The "Notice on Establishing a Concentration Management System for Real Estate Loans by Banking Financial Institutions" mainly targets bank loans to real estate companies across the country! and personal mortgage limit management.

It involves all provinces and cities across the country, and concerns every bank and individual. And it will be implemented immediately from January 1, 2021!

According to this new regulation, starting from 2021, the proportion of personal housing loans of these largest banks in China to their entire bank loan limit shall not exceed 32.5!

According to the regulations and requirements of the Central Bank and the China Banking and Insurance Regulatory Commission, the upper limit of the proportion of real estate company loans and the upper limit of personal housing loans of all large banks and various small and medium-sized banks, county rural cooperative medical institutions, and village and town banks are as follows.

So what impact will this new mortgage loan regulation have?

1. The impact on large banks is very limited, or even beneficial.

2. It is very disadvantageous for small and medium-sized banks.

3. There will be certain control over the rapid rise in housing prices.

4. People’s debt ratio has also been reduced.

5. The bad debt rate of banks has been reduced!

We all know that when buying a house, you usually choose a mortgage loan. Unless the family is very rich, they will choose to pay in full. The introduction of this new regulation will, in the long run, put some control over the rapid rise in the property market.

In other words, the new regulations have put a "tightening curse" on the proportion of bank loans to real estate companies and personal housing loans.

But I think it can be controlled, but it cannot be accidentally injured. The loan needs of home buyers! I don’t think the state will set up obstacles for reasonable personal mortgages!

You will understand why the employees of rural commercial banks are now selling interest-free loans door-to-door. !

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?

I am Brother Lang, welcome to visit me often and dance with the wolf***

The picture below is a cutout of this new rule:

First of all, you have to judge this rural area Employees of commercial banks must be authentic, not former employees or fake ones. Although I have not seen such a good thing, there are many people who pretend to be bank employees to promote credit cards, but actually want to sell you POS machines.

And this is not bad, but when you encounter a big liar, it is more troublesome. People use long-term tricks to catch big fish one after another, and it is difficult to guard against them!

After confirming your identity, you also need to find out whether the bank has this business. Many people think that insurance companies have pitfalls. In fact, banks have many pitfalls. Many depositors who go to the bank are directly turned into bankrupts. To buy insurance, buy a fund. There may be pitfalls in this loan. Especially for such a good thing, you must carefully understand it. It is best to ask someone who has taken out this type of loan. But don't charge you a lot of random fees when it's time to pay back the money. You will definitely have no way to deal with it. The bank will not tell you these things.

It’s really hard for these little people to walk on thin ice everywhere. We are a little bird, and there are bird-catching racks and bird-sticking nets everywhere, until our number is reduced to protected animals, such as that Just a stupid roe deer!

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

If it is a truly interest-free loan, and if it is needed for mass development, then accept it bravely.

Of course, to borrow money, you need to have the ability and creditworthiness to repay the loan. You can’t just say you want a loan just because you’re doing door-to-door sales. If you don't care about your creditworthiness and repayment ability when borrowing money, don't be tempted.

Now, the state has stipulated that it cannot lend so much money to the real estate market. In contrast, more money will be lent to industry, agriculture, processing, transportation, factory companies, etc., so that everyone can have plenty. Investment creates an atmosphere where everyone is doing business. Therefore, if banks come to you to sell interest-free loans, if you need them to buy stocks, you can borrow boldly.

Let me answer you. On the one hand, the government will subsidize interest rates. Although the interest rate is not high, it is higher than the cost of capital, so 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 unemployed and entrepreneurial people. Banks and governments cooperate to achieve a win-win situation. The third is to expand and tap customer groups and enhance the image of the bank.

An interest-free loan does not charge you interest. This does not mean that the loan has no interest. Generally, this kind of interest-free loan is subsidized by the government, and the interest is paid by the government. For banks, as long as they can collect It doesn’t matter who pays the interest.

First of all, let me correct the “interest-free loan” in the question. The full name of this loan is “Reemployment Subsidy Guaranteed Loan.” It is reviewed and approved by the Employment Department, the Finance Bureau, and the Cooperative Bank, aiming to support the unemployed, laid-off workers, landless farmers, 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 location, and have been engaged in legal business projects for more than 3 months. At the same time, the borrower needs to provide a loan guarantee for a person with stable income and fixed occupation.

First apply to the local employment office and submit the materials for preliminary review; then the employment office, finance bureau, and bank will jointly participate in the investigation, review, and approval. Only after passing the loan can the bank issue the loan; finally, the finance department will The bureau settles the interest with the bank, and the interest does not need to be borne by the individual. The individual only needs to return the principal when the loan is due.

Why do Rural Commercial Bank employees come door-to-door to market this kind of loan product? Doesn’t anyone want such a good policy if they don’t have to bear the interest themselves? In fact, this is not the case. The threshold for this kind of loan is quite high. You must meet the corresponding conditions and provide a guarantor.

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

However, after a customer applies for a reemployment loan, the bank will definitely continue to explore the customer's comprehensive contribution, such as deposits, credit cards, payment codes, etc. Therefore, banks use preferential loan policies to attract customers to apply, thereby achieving customer stickiness and firmly grasping the trends of customer funds.

In fact, because the number of discounts is limited, most of these discount loan customers are related households. In addition, since it requires simultaneous review and approval by three units, the loan cycle is relatively long and the disbursement speed is relatively slow. At the same time, a guarantor needs to be provided. Many people are unwilling to trouble others, and they will not easily vouch for others if they do not have particularly good relationships.

Asymmetric information causes many good policies to fail to reach those who need them most. The purpose of discounted loans is to reduce customer financing costs. The door-to-door service of Rural Commercial Bank is to clearly explain good policies to merchants. Then It’s called targeted marketing, not sales.

Yes, these days, employees of rural commercial banks drive their cars with a loudspeaker on them every day, advertising everywhere that rural commercial bank loans have been liberalized and the interest rates are super low. , and the unsecured and unsecured amount is huge. The author can't help but sigh, everything is really in order! .

Basically learn from China Construction Bank. For example, the decoration loan only requires installment fees and no interest. The monthly handling fee of 100,000 yuan is more than 200 yuan, which is repaid in installments. In fact, changing the soup does not change the medicine.