What does it mean that banks lend together? Information of

What does it mean to say that bank cards are "real loans in the same city"?

Real loan in the same city refers to the real-time credit business of banks in the same city, and the real-time credit business in the same city refers to remittance, entrusted collection (remittance), collection and acceptance (remittance) and other businesses. If you don't know the source of the money, please contact the bank first.

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Tongcheng loan mainly includes bank loans, personal micro loans, small and medium-sized enterprise loans, quick loans, mortgage loans, car loans and credit loans.

Tongcheng Loan is positioned as an intermediary platform for loans in the same city, an information platform for loans in the same city and a publicity platform for loans in the same city. It was established in Suzhou in 2009.

Note: professional institutions are the safest loans, and nothing is safer than lending in formal lending institutions. Before confirming the application for loan, it is suggested that we must have a comprehensive understanding of institutions, including formal banks, microfinance companies, pawn shops and online loan service platforms. And we can also have a preliminary impression through field trips. Knowing the lending institutions in advance will help to make faster and more correct choices.

Baidu encyclopedia-tongchengdai

What is a loan agreement?

Loan agreement refers to a loan agreement, a form that is needed when applying for a loan. The so-called bank loan agreement refers to the letter of intent issued by the lending bank to the borrower to agree to the loan. Its main purpose is to prove the borrower's credit status and repayment ability, which has legal effect in essence. However, there is also a time limit.

Generally speaking, the validity period of bank loans is 1-3 months. According to the report, there are some differences in the loan books of banks. The loan books of some banks clearly indicate the loan amount and interest rate, that is, within the validity period of the loan book, the borrower will implement the relevant matters agreed in the loan book.

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Loan principle:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

I bought a second-hand house in Guangzhou, and one part of the process was bank loan approval. I want to know what a loan means.

The bank agreed to the loan notice! Because the bank decided to give you a loan, and there are loan times, loan years, and a written explanation of the owner's bank account number! This is the confirmation of the bank loan to you!

What does the same loan mean?

If the borrower is a debtor and there are more than two debtors, he shall share the obligations with the debtors according to the determined share. Every debtor who is jointly and severally liable has the obligation to pay off all debts, and the person who has fulfilled the obligation has the right to ask other persons who are jointly and severally liable to pay his share. Article 84 of the General Principles of Civil Law stipulates that debt is a specific relationship of rights and obligations between the parties according to the contract or the law. The obligee is the obligee, and the obligor is the debtor. The creditor has the right to require the debtor to perform its obligations in accordance with the contract or according to law. Article 85 A contract is an agreement between the parties to establish, change or terminate a civil relationship. Contracts established according to law are protected by law. Article 86 stipulates that if there are more than two creditors, they shall share the rights according to the determined share. If there are more than two debtors, they shall share the obligations according to the determined share. Article 87 stipulates that if there are more than two creditors or debtors, each creditor with joint and several rights has the right to require the debtor to perform its obligations in accordance with the law or the agreement of the parties; Every debtor who is jointly and severally liable has the obligation to pay off all debts, and the person who has fulfilled the obligation has the right to ask other persons who are jointly and severally liable to pay his share.