What are the ways of personal loans? Take stock of ten common methods of personal loans!
At present, there are various channels and ways of personal loan in the market. You may not need a personal loan right now, but it's worth knowing about these personal loan options.
After all, it doesn't hurt to know more, so that you can quickly identify and understand when you need it in the future, so that you won't be caught off guard.
Basically is the mortgage loan, the automobile personal loan, the enterprise personal loan and so on. The following mini-series describes ten common personal loan emergency methods.
1. Credit personal Loans
Credit personal loan is an unsecured personal loan. The personal loan amount is not fixed, generally very small, not exceeding 200,000, depending on personal credit. The term of personal loan is mainly short-term, generally about one year. The information needed to apply for personal credit loan includes: proof of income, personal credit rating (i.e. credit report), personal professional information, identity certificate, etc.
Risk: this kind of enterprise investment and construction project management is mainly based on the borrower's personal credit research. With the development of domestic credit investigation system, personal loanthe online loan platform is being rectified, and the default rate is high.
But in general, there are more personal social credit loans like bank loans. After all, people who have good credit and can get loans from banks will not choose other information platforms.
2. House mortgage personal loan
The real estate mortgage personal loan is a kind of financing method that the borrower offers the mortgage to the personal lender with the mortgage of own house, and issues the personal loan on the platform.
The borrower can also re-set the mortgage with the mortgaged real estate to make full use of the value of the mortgage.
Risk: this type of investment projects by the impact of larger housing prices, there is a decline in housing prices, cash difficulties and other risks. At present, many online lending platforms have the phenomenon of secondary mortgage loans. A second mortgage is a mortgage on a house that is currently valued at more than the Surplus value value of oil. Although the second mortgage is valid, unlike the first mortgage, the second mortgage does not have priority requirements and therefore higher risk.
3. Apply for a personal loan for your car
Vehicle-secured personal loan refers to the borrower taking the vehicle as collateral, which is usually used to solve the short-term liquidity problem.
Under normal circumstances, auto personal loan guarantee is only about 70% of the value of the loan, more than 1 month, 3 months, 6 months or 12 months.
Risk: At present, not all platforms in the market carry out second-hand car mortgage business. In view of the great growth space in the domestic new car market, the prospect of vehicle mortgage business is still relatively large. However, there are risks such as car damage, loan fraud, discounts and purchase restrictions in major cities.
4. Equity pledge personal loan equity pledge personal loan refers to the financing management mode provided by the shareholder system that the listed company development equity pledge to the construction of online loan platform
Counter-guarantee and issue bidding loans to the platform without selling the shares held. Most enterprises with large long-term loans choose this method.
Risk: this kind of investment projects by the impact of large fluctuations in stock prices, non-listed shares difficult to achieve, equity value and the company's operating risk and change risk is proportional.
5. Supply chain finance
Supply chain finance refers to the credit business that the platform evaluates the credit qualification of small and medium-sized borrowing enterprises and provides financing support for the core enterprises and their upstream and downstream based on the credit of the core enterprises.
It mainly includes the financing mode of prepayment in purchase phase, the financing mode of chattel mortgage in Operation Phase and the financing mode of accounts receivable in sales phase.
Risk: This kind of personal loan has various risks in the whole industrial chain, including the risk of market price fluctuation of pledged goods or enterprise assets, the risk of bad debts of accounts receivable, and the risk of irrecoverability. core
Enterprises can control the moral hazard in related enterprises' financing through online personal loan platform.
6. Bank bridge
Transitional financing is a short-term financing with a term of six months, and it is also a financing related to long-term financing. The purpose of providing bridge funds is to enable borrowing enterprises to meet the conditions of docking with long-term funds through the financing of bridge funds, and then long-term funds can replace bridge funds.
Risk: the main financial risk of such a project is the bank's ability to continue. Because the bridge funds are very important to management and operation
Once a business fails, it will be a fatal blow to the corporate culture of China.
By:ANASTASIA