個(gè)人貸款種類的介紹
個(gè)人貸款種類的介紹
個(gè)人貸款，又稱零售貸款業(yè)務(wù)，經(jīng)過(guò)幾十年的發(fā)展，已成為一項(xiàng)重要的貸款業(yè)務(wù)。接下來(lái)小編為大家整理了個(gè)人貸款種類的介紹，希望對(duì)你有幫助哦!
一、個(gè)人二手房貸款
Personal second-hand housing loan means a loan lent by bank to the borrower for it to purchase a personal housing or a commercial housing whose house property certificate the seller has acquired and which has a complete right of disposal and is legally traded in the secondary market.
個(gè)人二手房貸款是銀行向借款人發(fā)放的用于購(gòu)買售房人已取得房屋產(chǎn)權(quán)證、具有完全處置
權(quán)利、在二級(jí)市場(chǎng)上合法交易的個(gè)人住房或商用房的貸款。
Any natural person having a complete civil capacity may apply for personal second-hand housing loan to the bank.
具有完全民事行為能力的自然人可向銀行申請(qǐng)辦理個(gè)人二手房貸款。
二、個(gè)人住房裝修貸款
Personal housing decoration loan means a loan lent by the bank to the borrower for it to decorate a self-owned housing.
個(gè)人住房裝修貸款是銀行向借款人發(fā)放的用于自有住房裝修的貸款。
Any natural person having a complete civil capacity may apply for Personal housing decoration loan to the bank.
具有完全民事行為能力的自然人可向銀行申請(qǐng)辦理個(gè)人住房裝修貸款。
三、個(gè)人商用貸款
Personal commercial housing loan means a loan lent by any bank to the borrower for it to purchase a self-operated commercial housing or a self-used official housing.
個(gè)人商業(yè)用房貸款是指銀行向借款人發(fā)放的購(gòu)置自營(yíng)性商業(yè)用房和自用辦公用房的貸款。
Any natural person having a complete civil capacity may apply for personal commercial housing loan to the bank.
具有完全民事行為能力的自然人可向銀行申請(qǐng)辦理個(gè)人商業(yè)用房貸款。
四、個(gè)人購(gòu)置住房貸款
Personal house purchase loan means a loan lent by bank to the borrower for purchasing a self-used common housing.
個(gè)人購(gòu)置住房貸款是指銀行向借款人發(fā)放的用于購(gòu)買自用普通住房的貸款。
The prospective borrower of personal housing loan should be a natural person having a complete civil capacity.
個(gè)人購(gòu)置住房貸款對(duì)象應(yīng)是具有完全民事行為能力的自然人。
五、個(gè)人住房貸款
Housing loans refer to loans granted by the bank to borrowers to facilitate housing purchases.
個(gè)人住房貸款是指銀行向借款人發(fā)放的用于購(gòu)買住房的貸款。
Housing loans are divided into housing loans on own account, housing loans on authorization and combined loans.
個(gè)人住房貸款分為自營(yíng)性住房貸款、委托住房貸款和組合貸款。