Apply for an individual to consume loan spWord格式.docx

Apply for an individual to consume loan spWord格式.docx

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Applyforanindividualtoconsumeloansp@#@Applyforanindividualtoconsumeloanspecifiedamounttospendforguarantywithhousepropertycanamountto1million@#@Undertakewithhousepropertytheindividualconsumesloanmortgagingapplyingfor,itisthefundamentalpatternthattraditionalspendingborrowsmoney.Nevertheless,asthepropulsionoftheproductanddevelopment,loanofthiskindofconsumptionwashadtoconsumermorepractical.Itisreplacedoddpeninordertogivetheideathatletterforeheadspendstoconsumeloan,thelineofcreditofthisandcreditcardisverysimilar,theforeheadgivingaletterinborrowingmoneywiththeenterprisespendsaconcepttocomparative.Withoddpenalargeamountofconsumptionsubmitrelevantdatawithrespecttoneed,comparethroughphotographofflowofexamineandverify,thiskindexamineandapproveacquisitionspecifiedamounttospendthelongestcanusein10years.Oddpenloantakesuponesharespecifiedamountisspent,generatecorrespondingreimbursementtoplan,thispartthatloanrepays,theforeheadspendsimmediatelytorestore,supportableborrowagainpiece.2itisthroughborrowingwiththebanktheproductthatwritedowncardundertakescombinative,consumptiveloancanbeonlyonenlightenedPOSterminalundertakeuse,thebankisfromtheuseusethatloanfundassuredonuseterminalinlimitsofdefinitiveofconsumptiveloanplace,youcanbrushcardtoundertakecar,bigcommodity,travel,educationiswaitedamomentbuying,buttherangethatcannotundertakeloanplacedoesnotallowtousebuyingtheconsumptionsuchasroom,investment.Borrowmoneytobecomparedwiththeconsumptionofothertype,theconsumptionthatobtainsaspawnwithhousepropertyborrowsmoney（theforeheadisspent）taller,highestandOKachieve1millionyuan,canwaittobuyattendinaadvancedstudiesofcar,education,travel,bigcommoditytopurchaseprovideenoughcapitalsupport.Andthepriceofloan,namelyinterestrateisnothigh,itistheriseonthefoundationinstandardloaninterestratenormally10%～30%.Nevertheless,onthehousepropertythatmainbodyregardsthedoorsillofthissortloanaspawnnow,ifneedtoapplyforthisoneloan,thebasiccestpremiseis:

@#@Yourunderone’snameneedstoownhouseproperty,requirementofafewbankshasadditionallyoneflatlettoproduceoutsidebeproducedfromhousing.Beworthwhatcarryis,althoughyourhousepropertyhashadmortgage,thehousingthatappliedforabankmortgagesloan,buthadrepaidonepartborrowsmoney,sothewaythattheforeheadspendsthispartthatalreadyrepaidtostillcanborrowmoneythroughconsumptionisborrowedcomeout.Becausehousingmortgagesloantohadbecomemoderntolaylivelyonepartalmost,thiskindofcharacterthatconsumesloanishadmorepractical.（origin:

@#@Weeklyofconductfinancialtransactions）@#@以房產進行抵押申請個人消費貸款，是傳統消費貸款的基本模式。

@#@不過，隨著產品的推進與發展，這種消費貸款對消費者來說具備瞭更多的實用性。

@#@一是以授信額度的概念代替瞭單筆消費貸款，這與信用卡的信用額度非常類似，和企業貸款中的授信額度概念相當。

@#@與單筆大宗消費就需要遞交相關材料、通過審核流程相比，這種一次審批獲得的額度最長可以在10年使用。

@#@單筆貸款占用一部分額度，並生成對應的還款計劃，貸款償還的這部分，額度隨即恢復，並可支持再次貸出。

@#@二是通過與銀行借記卡產品進行結合，消費貸款僅可以在開通的POS終端上進行使用，銀行從使用終端上保證瞭貸款資金的使用用途在消費貸款所限定的范圍之內，你可以刷卡進行買車、大件商品、旅遊、教育等等，但不能進行買房、投資等消費貸款所不允許使用的范圍。

@#@與其他類型的消費貸款相比，以房產作為抵押物獲得的消費貸款（額度）較高，最高可以達到100萬元，可為購車、教育進修、旅遊、大件商品采購等提供充足的資金支持。

@#@而貸款的價格，也就是利率並不高，通常是在基準貸款利率的基礎上上浮10%～30%。

@#@不過，這種類型貸款的門檻主要體現在作為抵押物的房產上，如果需要申請這一貸款，最根本的前提是：

@#@你的名下需要擁有房產，一些銀行要求在自住房產外擁有另外一套房產。

@#@值得一提的是，即使你的房產已經進行抵押，申請瞭銀行的住房按揭貸款，但是已經償還瞭一部分貸款，那麼已償還的這部分額度依然能夠通過消費貸款的方式貸出來。

@#@由於住房按揭貸款幾乎已經成為現代人生活的一部分，這種消費貸款的特性更具有實用性。

@#@（來源：

@#@理財周刊）@#@Undertakewithhousepropertytheindividualconsumesloanmortgagingapplyingfor,itisthefundamentalpatternthattraditionalspendingborrowsmoney.Nevertheless,asthepropulsionoftheproductanddevelopment,loanofthiskindofconsumptionwashadtoconsumermorepractical.Itisreplacedoddpeninordertogivetheideathatletterforeheadspendstoconsumeloan,thelineofcreditofthisandcreditcardisverysimilar,theforeheadgivingaletterinborrowingmoneywiththeenterprisespendsaconcepttocomparative.Withoddpenalargeamountofconsumptionsubmitrelevantdatawithrespecttoneed,comparethroughphotographofflowofexamineandverify,thiskindexamineandapproveacquisitionspecifiedamounttospendthelongestcanusein10years.Oddpenloantakesuponesharespecifiedamountisspent,generatecorrespondingreimbursementtoplan,thispartthatloanrepays,theforeheadspendsimmediatelytorestore,supportableborrowagainpiece.2itisthroughborrowingwiththebanktheproductthatwritedowncardundertakescombinative,consumptiveloancanbeonlyonenlightenedPOSterminalundertakeuse,thebankisfromtheuseusethatloanfundassuredonuseterminalinlimitsofdefinitiveofconsumptiveloanplace,youcanbrushcardtoundertakecar,bigcommodity,travel,educationiswaitedamomentbuying,b