個人貸款種類的介紹
個人貸款，又稱零售貸款業務，經過幾十年的發展，已成爲一項重要的貸款業務。接下來小編爲大家整理了個人貸款種類的介紹，希望對你有幫助哦!
一、個人二手房貸款
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.
個人二手房貸款是銀行向借款人發放的用於購買售房人已取得房屋產權證、具有完全處置
權利、在二級市場上合法交易的個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.
具有完全民事行爲能力的自然人可向銀行申請辦理個人二手房貸款。
二、個人住房裝修貸款
Personal housing decoration loan means a loan lent by the bank to the borrower for it to decorate a self-owned housing.
個人住房裝修貸款是銀行向借款人發放的用於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.
具有完全民事行爲能力的自然人可向銀行申請辦理個人住房裝修貸款。
三、個人商用貸款
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.
個人商業用房貸款是指銀行向借款人發放的購置自營性商業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.
具有完全民事行爲能力的自然人可向銀行申請辦理個人商業用房貸款。
四、個人購置住房貸款
Personal house purchase loan means a loan lent by bank to the borrower for purchasing a self-used common housing.
個人購置住房貸款是指銀行向借款人發放的用於購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.
個人購置住房貸款對象應是具有完全民事行爲能力的自然人。
五、個人住房貸款
Housing loans refer to loans granted by the bank to borrowers to facilitate housing purchases.
個人住房貸款是指銀行向借款人發放的用於購買住房的貸款。
Housing loans are divided into housing loans on own account, housing loans on authorization and combined loans.
個人住房貸款分爲自營性住房貸款、委託住房貸款和組合貸款。
