First of all, there are flexible and diverse ways to guarantee loans, such as pledge, mortgage, natural person guarantee, professional guarantee company guarantee and portfolio guarantee. Therefore, it is necessary to provide a guarantor, and its application conditions mainly include:
1, a China citizen with full capacity for civil conduct (excluding Hong Kong, Macao and Taiwan residents);
2./kloc-over 0/8 years old and under 60 years old, with a fixed residence, permanent residence or valid residence certificate within the jurisdiction of the branch;
3. The borrower and its business entity have good credit and stable operation;
4. Other conditions stipulated by relevant banks.
I. Operating loans of banks in China have the following characteristics:
1. High loan amount: up to 30 million yuan, ICBC100000 yuan;
2. Long-term loan term: the longest loan can reach 10 year, and the longest single loan can reach 5 years;
3. There are many kinds of guarantee methods: only through pledge, mortgage, natural person guarantee, professional guarantee company guarantee, market management guarantee, * * simultaneous guarantee, mutual guarantee, combination guarantee and other flexible and diverse guarantee methods.
It has the function of revolving loan: this kind of loan can be applied for once, reused and borrowed circularly, which is convenient and fast.
Generally speaking, operating loans not only have diversified guarantee methods, but also have the function of circulating loans with high loan amount and long term, which makes the loan funds not only reusable, but also more convenient and fast.
Second, why should commercial loans be called third parties?
Operating loans to third parties is actually entrusted payment. According to the borrower's withdrawal application and payment entrustment, pay the funds to the borrower's transaction object that meets the purpose agreed in the contract. This is mainly to ensure the safety of loan funds, reduce the risk of loan misappropriation and avoid being cheated.
If you are worried that the other party will not give money after the funds are loaned to a third-party account, you can find a formal guarantee company or a third-party company, so the insurance is higher.
Not only commercial loans, but also other loans will be given to third parties. For example, personal housing loans, funds are usually directly allocated to developers; There is also a house decoration loan, and the funds will be directly loaned to the account of the decoration company. This is also to ensure the authenticity of the loan funds and facilitate banks to monitor the whereabouts of the loan funds.