What does rent loan mean?

The so-called "rental loan" means that the tenant signs a loan contract with the financial institution that cooperates with the enterprise while signing a lease with the long-term rental apartment enterprise. Generally, the financial institution pays the annual rent for the tenant, and the tenant pays off the rental loan to the financial institution on a monthly basis, and the corresponding loan interest is generally paid by the long-term rental apartment enterprise.

I. The credit information system of the People's Bank of China includes the basic database of enterprise credit information and the basic database of personal credit information.

1. The basic database of enterprise credit information started at 1997, and it was queried nationwide in July 2006. By the end of 20 14, the database contained more than/kloc-0 10000000 enterprises and other organizations, among which the construction of the basic database of personal credit information with credit records of more than 600000000 households first started at 1999. By the end of August, 2005, it had completed the networking operation with all commercial banks and some eligible rural credit cooperatives in China, and in June, 2006, 1. As of 20 15, the database contains 870 million natural persons, of whom 370 million have credit records.

2. The main users of the central bank's credit information system are financial institutions, which are connected with the headquarters of financial institutions such as commercial banks through special lines, and extend the terminal to the business counters of credit officers of branches of commercial banks through the intranet system of commercial banks. The information source of the credit information system is mainly financial institutions such as commercial banks, and the collected information includes basic information of enterprises and individuals, credit information such as loans and guarantees in financial institutions, and major financial indicators of enterprises.

3.2065438+In April, 2009, a new version of personal credit report was launched, and the default of water fee may also affect his personal credit. On June 19, China established the largest credit information system in the world. On June 5438+1October 65438+1October 9, 2020, the Credit Information Center provided the second-generation format credit report inquiry service for the public and financial institutions.

Second, the advantages of credit reporting

1 Save time

A lot of information that banks need to know is in your credit report, so you don't have to spend so much time investigating and verifying the authenticity of the information you fill in the loan application form. Therefore, the first advantage of credit report is to save your time and help you get a loan faster.

2. Convenient borrowing

As the saying goes: "It is easy to borrow money to pay back the money, but it is not difficult to borrow again." If your credit report reflects that you are a person who pays on time and earnestly fulfills the contract, the bank will definitely like you. It can not only provide credit services such as loans and credit cards, but also give preferential treatment on the amount and interest rate.

3. Credit reminder

If it is recorded in the credit report that you borrowed money but didn't repay it, the bank must be cautious when considering whether to provide you with a loan. Banks are very likely to let you provide mortgage, guarantee, or reduce the loan amount, or raise the loan interest rate, or refuse to provide you with loans. If the credit report shows that you have borrowed a lot of money, the bank will be very cautious, fearing that you have too much debt burden and may refuse to provide you with more loans. This reminds you to cherish your credit history and consciously accumulate your credit wealth.