Why do I need a bank loan? Why do I need a loan?

Reasons for applying for a loan:

1. Due to the family's financial difficulties, the family makes a living by farming, and their parents are old and in poor health, so they can't do heavy work. The funds are uncertain to pay tuition and living expenses. I have a part-time job in school, I usually scrimp and save, live a simple life, get excellent grades in school, and actively participate in school activities. I hereby apply to the school for a national grant, hoping to get approval.

2, family life, economic difficulties, simple life. My family lives in a remote mountain village in Yimeng Mountain area. A family of three mainly relies on the banker to harvest several acres of farmland as the only source of income for the family. Usually there is no personal income at home, and the high tuition and living expenses during college make the originally difficult family worse.

Loan repayment method:

1. Equal repayment of principal and interest: that is, the sum of loan principal and interest is repaid by equal monthly repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same.

2. average capital Repayment Method: A repayment method in which the borrower repays the loan in every installment (month) and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month.

How to write the reason for the loan?

Fill in the reasons for the loan need to include clear personal identity information such as name, gender, age and family information, and also need to state the legitimate reasons for the loan, such as buying a house, buying a car, decorating, and operating the company. In addition, it is also necessary to describe the individual's repayment ability, as well as the expected loan amount and repayment period and other related information.

Brief introduction of bank loan

Bank loans refer to loans granted by major commercial banks to borrowers according to national policies and certain interest rates. When issuing loans, banks usually agree with borrowers on the corresponding repayment interest and repayment period, and banks will require borrowers to provide guarantees and mortgages, as well as personal income certificates and good personal credit reference certificates. When a borrower applies for a loan, it needs to have legitimate reasons and clear reasons, and it needs to explain the purpose of the loan in detail, and state that the individual has sufficient repayment ability and sufficient collateral. When the borrower fails to repay the loan and the corresponding interest in time, it will have a negative impact on personal credit information.

Reasons for applying for a loan

Many people often neglect to fill in the reasons for applying for loans when applying for loans, thinking that lending institutions will not care about the reasons for loans. This understanding is wrong. For the applicant's loan application, the lending institution first looks at the reasons for the lender's application, that is, the purpose and purpose of the loan. If the reason and purpose of the loan do not meet the positioning of the loan product, the application will basically be rejected directly. How to write the reasons for applying for a loan? Let's talk about it.

First of all, the reason for applying for a loan is reliable and true, not fancy and irrelevant. For ordinary bank loans or small online loans, most of the reasons for applying are to solve the current difficulties and achieve immediate goals. Don't write some empty and unattainable goals, which will make lending institutions feel that their loans are "meat buns and dogs, and there is no return."

Secondly, applying for loans should be "adapted to local conditions". For example, if you apply for a student loan, you should explain that your family conditions are not good and emphasize that you want to pursue further studies. For housing loans, banks pay more attention to the lender's willingness to repay, so they need to write clearly in their reasons that they have the ability to repay and are trustworthy people.

Finally, the reason for the loan should be "precise" and "accurate". The reasons for borrowing don't need to be comprehensive, and lending institutions are easy to catch mistakes and may expose too much private information. Besides, lenders just want to know why, not to hear stories. In addition, the reasons for the loan should be expressed accurately, and there is no need to beat around the bush.

Why do you need a loan?

First of all, because it is "poor money", otherwise no one will borrow money for no reason. Secondly, people are under great pressure now. As before, borrowing money from each other can no longer meet the needs of borrowing, so loans become commodities. However, in the past, we all paid with one hand and delivered with the other. Pay back the money first, then the principal and interest.

Similarly, enterprises will also encounter poor money in their development. At this time, in order to expand production and increase production capacity, it is necessary to consider loan financing to improve productivity and income.

Why do people want to buy a house, but also borrow money to buy a house?

This is mainly to encourage people to borrow money to buy a house, which shows that many people no longer want to borrow money to buy a house.

A measure that the mortgage age can be extended to 80 years old has been introduced in a certain place.

Although this measure can reduce the burden by extending the mortgage term, I don't want to choose to repay the mortgage at the age of 80.

I won't choose this way because my ability to repay my mortgage will decline after retirement. I don't want to bear the pressure of mortgage all my life, and I hope to have a happy and comfortable old age.

First, I want to live a comfortable and happy old age and don't want to be troubled by mortgage.

When I was 80 years old, I really stepped into old age and lived a life of providing for the aged. After working hard for most of my life, what I want most at this time is a comfortable and happy old age, so I don't want to be troubled by mortgage at this time. At the age of 80, I will definitely not repay my mortgage, but I will repay my mortgage as soon as possible, so that I can have a comfortable and comfortable old age and be happy every day at the age of 80.

Second, my ability to repay my mortgage will decline after retirement, so I don't want to repay my mortgage after retirement.

After retirement, I will live on my pension. At this time, my income will become limited, so my ability to repay the mortgage will decline. After retirement, I will not choose to repay my mortgage, but will choose to pay off my mortgage when I am young. At this time, I am full of energy, I can earn more income through hard work, and it will be easier to repay my mortgage.

Third, I don't want to bear the pressure of mortgage all my life, and I don't have to pay my mortgage at the age of 80.

Although I only need to pay part of my income to repay my mortgage, it will not seriously affect my life, but it is a great pressure for myself after all. As long as the mortgage is not paid off for one day, I will bear the pressure for one day. I can and don't want to bear this pressure all my life. So I will definitely not pay my mortgage when I am 80 years old, and I will definitely pay my mortgage when I am young.

Five reasons tell you why you borrowed money to buy a car.

Five reasons tell you why you borrowed money to buy a car.

What is this rule? They are obviously rich, why do I see many bosses borrow money to buy cars? Don't you want to touch your savings? Do you pay by installments yourself?

1. Car depreciation, loan to buy a car to prevent hard-earned money from evaporating.

2. The yield is higher!

3. Buying a car with a loan is the lowest cost and the most convenient way to obtain funds!

4. Accumulate credit wealth

5. Enjoy the resources first and seize the opportunity ~

Five reasons why you want to buy a house.

1. China people's life events are related to the house.

"The house itself is not just needed, and there are several other things that are just needed, such as marriage and education. The traditional concept of China binds real estate and marriage together, which leads to the fact that real estate is just needed; China's school district housing system binds real estate and education together, resulting in real estate needs; In other words, just need can be created through ideas and systems. " If we don't have a house, it will be difficult to get married; If we don't have a house, it will be difficult for children to receive education. Are we afraid to buy a house?

Renting a house will make us feel insecure.

In many countries in Europe and America, the law highly protects the interests of renters. The house can be rented for a long time, and the landlord can't just drive the tenant away. Not in China. The landlord is extremely arbitrary and willful, and wants to raise the rent, making the renter feel insecure.

No house is always a foreigner.

Many cities have such a slogan, which is very warm-XX people are coming. Many friends around me have stayed in big cities for 10 years, and they love their cities very much, but because they don't have a house, they dare not confidently say that they are XX people. For that city, it can only be unrequited love. Living in a rental house, it is difficult to have a real sense of belonging. We miss our hometown so much, probably because there are no houses in first-tier cities.

The house determines the class, and no house is easy to feel inferior.

You buy a lot of houses, you are rich; If you buy two or three houses, you are middle class; You bought a house, you are well-off; Without a house, it is the proletariat. Any wrong decision you make about the house is fatal and may affect your life.

Like:

You are more beautiful than me, but I have a house.

You are more educated than me-but I have a room.

You work harder than me, but I have a room.

5. The less you buy a house, the poorer you get.

In fact, the existence of money in hands is tantamount to wasting resources. Only by investing in it can we make a profit. People who have a house can not only live a stable life, but also worry about the monthly rent. They will always say that if something goes wrong, it will be a big deal to sell the suite; If it is difficult for children to go to school, selling suites is also a big deal. At present, perhaps the only safe investment is to buy a house, which is better than stock trading and starting a business. Many people sell houses in order to start a business, and as a result, they take huge risks, but ignore that houses may be a better investment.

(The above answers were published on 20 16- 12-07. Please refer to the actual situation for the current purchase policy. )

Comprehensive and timely real estate information, click to view.

A picture tells you the difference between buying a car in full and buying a car with a loan.

Buy a car in full: let you go back to before liberation overnight

Buying a car by stages: financial freedom, one step ahead

This picture fully illustrates the benefits of buying a car by stages.

Benefit 1: Make money more valuable!

1. Ignored car depreciation

We all know that the depreciation rate of a new car is about 20% a year. As you can imagine, if you put 65,438+10,000 quick money into buying a car, there will be only 80,000 left after one year. How can you have the heart to let the hard-earned money evaporate 20 thousand yuan invisibly

2. Neglected inflation

Statistics from the National Bureau of Statistics show that prices have increased by 8%- 10% every year in the past two years. In other words, 65,438+000 yuan in 2065,438+06 may only be worth 90 yuan in 2065,438+07. Why not repay the debt of 100 yuan in installments instead of paying back 90 yuan's money later?

Then let's calculate, if 654.38+ 10,000 yuan is invested in a new car, one year later, the actual value is only 654.38+ 10,000 × 80% × 0.9 = 72,000. Invest in a new car and lose 28 thousand a year!

Benefit 2: the expected rate of return is higher

As a businessman, you know better than anyone: doing business must rely on the strength and capital of others-it is true that the annualized interest rate of car loans is between 6.5% and 7% (some car owners even think it is between 3% and 4% on the basis of the rate).

It is necessary for us to think about whether the rate of return on our own money is far greater than the interest rate on car loans.

As a businessman, you have done an account. The income from doing business is mostly 30%-50% or even higher, which is not a cost compared with the annualized interest rate of 6.5%-7.5% for car loans. If car manufacturers discount interest, the annualized interest rate will be lower!

Benefit 3: Car loan is the lowest cost and the most convenient way to obtain funds.

Because of the uncertainty of future funds, there are several ways to solve the funding problem if there is a funding gap.

1) Borrow from a friend:

As a businessman, everyone knows this truth. Asking a friend for money has only two consequences:

He lent you money: you asked, yes, he would probably borrow it, but even if he did, he wouldn't be at ease. He is worried about what to do if you can't afford it, and his friends are also very upset.

He won't lend you money: if you do, he won't be happy or embarrassed to see him.

So, no matter what the result is, everyone is unhappy. Why talk about it?

2) Private lending:

At present, the monthly interest rate in the market is 2-5 cents (usually with collateral, more than 5 cents if there is no collateral). When borrowing, interest is deducted first, for example, if the monthly interest rate is 5 cents, it will be 6.5438+0.5 million in three months, then "borrowing" means directly reaching 85,000. If borrowing is 6.5448+0.5 million. I don't think I need to calculate, you know.

3) Mortgage loan (individual):

Personal mortgage is generally mortgaged by real estate: the real estate of ordinary customers is a loan. When buying a house, the house is mortgaged to the bank. If it is mortgaged at this time, it will not work;

In addition, it usually takes 1-2 weeks to transfer the ownership of the main house; The most time-consuming thing is waiting for the bank quota. Generally speaking, the total time of 1 month is relatively short, and 2 months is normal.

4) Mortgage loan (corporate loan):

General corporate loans need to be mortgaged or pledged. Compared with personal mortgage loan:

The main body of the loan is the enterprise, and the risk is higher than that of the individual, so the threshold is higher.

(2) SMEs are not eligible for loans at all.

③ The general minimum loan amount is 3 million.

(4) The whole process takes as short as 3 months, and the loan can be obtained in 6 months, which is very lucky.

5) Credit loans are directly based on personal credit rating loans:

The interest rate of credit card is five ten thousandths per day. If only the minimum repayment amount is paid, it is equivalent to monthly interest 1.5% (thirty ten thousandths = 1.5%) and annual interest 18%.

Benefit 4: accumulating credit records is also a great wealth.

This truth is easy to understand. Many people think that no loan and no overdue record are the best credit records. Actually, it is not. There is a loan record in the bank, and the loan record is good, which is the best credit record. For example, you are willing to lend money to a friend who doesn't know that you have broken your word, or a person who has a record of lending money to the bank and paying back the money on time ~

5 reasons why you use NAS instead of mobile hard disk.

Mobile hard disk is only a storage function. Once the hard disk is damaged, data recovery is extremely difficult. NAS adopts professional storage hard disk, with low failure rate and long service life. Besides storing files, NAS has many functions. Take Tamai enterprise NAS as an example, and list the advantages of NAS over mobile hard disk.

Strict and precise admission control

NAS can set detailed access rights for each folder and file in strict accordance with users, departments and groups, including listing, reading, downloading, modifying and writing. If you only have reading permission, you can only read online, but you can't download and print. All the operations of each user are recorded in a detailed log.

Convenient and fast file sharing

Internal colleagues can share files quickly through file sharing. For external customers or partners, you can establish sharing links and share them through third-party tools such as WeChat, QQ and email. You can set the expiration time and access password.

Version control with historical traceability

After the file is modified and submitted, the original content will not be directly overwritten, but a new version will be generated. If errors are found, you can view or revert to the specified version history at any time.

Multi-person online collaborative editing

Support online editing of documents, and the document format is not limited. As long as the relevant software is installed on the user's computer, it can be automatically opened by using the software, just like manipulating files on your own computer. Allow multiple people to edit the same file (not at the same time), which can lock the file and prevent conflicts. When submitting, if there is a conflict, it will be automatically prompted.

Multi-terminal access of computer and mobile phone

Both computers and mobile phones can be connected. Computers support Windows, MacOS and Linux systems, and mobile phones support Android and iOS systems. If allowed, even if there is no dedicated internet access and fixed IP in the enterprise, users can access it at home or on business trip through Tamai's dynamic domain name and data transmission technology.

Encrypted storage is safe and controllable.

For important files, you can choose to use AES encryption algorithm to encrypt the file content, even if someone illegally obtains the file, it can't be viewed, which effectively ensures the security of the file.

Worry-free multi-backup file

Support multi-level RAID (not supported by some low-end models), realize real-time hot standby of multiple disks, and easily recover data even if one disk is broken. In addition, through Tamai's built-in backup software, dual-machine or multi-machine master-slave backup can be realized. Even if one device fails, other devices can still ensure the normal operation of the whole storage system.

Tell you five reasons why wedding rings should be customized.

Customize according to love story

Have something to do with yourself

About love

There is only one in the world.

Everyone's love experience is different, no matter how dull.

Trust bulova. These five reasons are enough.

Five reasons why you want to go abroad.

First of all, it depends on whether you have any relatives or friends in that country. Because living outside requires at least one person to greet you and take care of yourself when you are in trouble. Then I went to school. I wish there were no language barriers. If I can't communicate with others, that's the biggest difficulty. Because you can't communicate, it means that you have no friends and it is very difficult to study. Also, there is money. Because the living environment abroad is different. Maybe you have to drive your own car. If you want to work and earn money, you must have a car. Housing is also a problem. It's good to live in your own home, but if you want to rent a house, the rent should be very expensive. Comfortable living is another problem. We also need to find a place closer to the school. If you share a room with others, you should be careful about your financial situation. Maybe everyone comes from different countries. There may be arguments.

Now many people choose to study abroad. Frankly speaking, if there are such conditions, then the advantage is that studying abroad is a rare opportunity to broaden your horizons and increase your knowledge. However, studying abroad is a major decision for everyone and even every family. Before preparing to go abroad, we should all think about the purpose of studying abroad. What do we hope to gain by studying abroad? What are the advantages of studying abroad?

Second, information in modern society is very developed. You may think that you can know everything about developed countries through the media and the Internet, and you can imagine how you live abroad. But this kind of imagination is definitely different from your actual life abroad. Breathe fresh air and experience humanistic care, which will be an experience that you can't emulate and taste at home. Studying abroad will greatly broaden your horizons, truly experience multiculturalism, exercise the ability of independent thinking, cultivate the mentality of calmly facing victory and failure, help you understand human nature and society more comprehensively, and make you care and love our motherland more.

Third, the choice of studying abroad is very diverse. This has two meanings. First, foreign universities offer a wide range of majors, many of which are still blank in China, or the domestic equivalent majors are not generally recognized by foreign countries, generally including clinical medicine and law majors. If you want to practice abroad, then you must choose to get a foreign degree. Second, in China, when applying for graduate students, most of them still require the same professional background, while studying for a master's degree abroad is more flexible, and it is more convenient to change majors without academic examinations. For example, English majors can apply for accounting, education, media and even IT majors-this is almost impossible in China.

Fourthly, reading efficiency is a significant difference between foreign universities and domestic universities. On the one hand, developed countries are more advanced in educational methods, concepts and teaching facilities. Another advantage is time. We know that the standard study time in domestic universities is 4 years for undergraduate students and 3 years for master students, while in Australia, Britain, New Zealand, Singapore and other countries, undergraduate students only need 3 years, and master students 1 year, which greatly reduces the opportunity cost of studying abroad, because you can graduate from master students three years earlier than your domestic peers and start your career!

Finally, many people go abroad to study in order to change the status quo. There are many such people in China who already have excellent jobs, but they are eager to be overloaded in their career development. Although they earn a lot of money, in view of the competitive pressure in enterprises, they realize that to maintain lasting competitiveness, they need to keep charging and learning; Or they have reached a certain height and found it difficult to make a breakthrough. This is the right time to choose to go abroad for further study. There are still some people who want to change the status quo, but they are not satisfied with their current jobs. It is also feasible to obtain relevant overseas degrees by studying abroad and then transfer to your favorite industry.

The above is my opinion on why people want to study abroad. In a word, studying abroad can be regarded as a major event in life. People have to spend a lot of energy and money. I hope people who want to study abroad can seize this opportunity to improve themselves in all aspects, not just for a paper diploma.

15 reasons to tell you why America is so good.

It's all a family statement.

1, in a foreign country, those hard days must be packed in your stomach.

2. If you have the American level, you can. If there is no level, going to America is like a moth to a fire. Can't adapt to America.

No, it's certainly not bad in China. If it is Syria where wars are raging every day, of course, the United States is the best choice.

Five reasons why men like white.

Five reasons why men like to touch women's breasts: Internet.

Five reasons why men like to touch women's breasts. They can't help being attracted to girls with low breasts in the street. Big breasts MM is their favorite. When no one is around, they like to peek at women's breasts. Women say men are lewd. Don't you know that this is their physiological need?

Men's psychological age is not big, and they still stay in the "oral sex period"

Men's psychology is actually very young. They have a strong Oedipus complex and are still in the "oral sex period", so they are subconsciously attached to the baby's lactation. That's why men like to suck women's breasts when they are around them. 、

Men like to touch women's breasts.

Two can't resist the visual impact.

Men are carnivores, and fullness is the second sexual characteristic of women, showing the perfect curve of women. Standing high gives people a strong visual impact and aesthetic feeling, giving people a strong desire. No one can resist it.

Three feels very comfortable.

From the tactile point of view, the plump feeling is very moist. It is said that the place where men lack the least water is their hands, and the place where women lack the most water is their breasts. The elasticity and smoothness of huge breasts make men want to get drunk.

Four people like round things.

Some people say that men have a special interest in round things, such as basketball and football, and so do women's breasts. Men are the most turbulent when running, which brings them infinite reverie and dynamic beauty. So they can't help reaching out and touching.

5. The need for human body to cooperate with each other

According to biologists' research, men's and women's bodies are naturally matched with each other, and the arc formed by men's hands is very consistent with the arc of women's breasts. The strongest part of a man's body is his hands, while the weakest and softest part of a woman's body is her chest.

Why do you need a loan to buy a car?

Enjoy resources first and seize opportunities.

At present, the gradual implementation of car purchase restriction in big cities in China has caused a lot of controversy, among which the biggest controversy lies in "exploiting the right to buy a car". People who buy a car early can occupy the parking space first and enjoy the convenience brought by the car earlier.

What's it like not to shake the number for several years? How does it feel to auction a license plate for 890 thousand? These really happen in cities with restricted purchases.

Therefore, buying a car in advance is indeed a good deal, and car loan is the easiest way for you to enjoy road resources in advance.

By the same token, even if you have the ability to buy a similar car, when you buy a luxury car with a loan, it will bring you business help, and its value far exceeds your car loan interest rate.

Make money more valuable!

Neglected inflation!

According to the National Bureau of Statistics, the CPI rose by 2.3% from 2065438 to March 2006, but do you believe this official data? I don't believe it anyway. I prefer to believe my true feelings: the annual price increase in the past two years is actually 8%- 10%. In other words, 65,438+000 yuan in 2065,438+06 may only be worth 90 yuan in 2065,438+07. Why not repay this year's debt of 100 yuan in installments with the money only worth 90 yuan in the future?

Let's work out an account. If you put 654.38+million yuan into a new car and ignore the depreciation of the new car, the original car purchase price of 654.38+million yuan has depreciated to 84,000 yuan two years later (calculated according to the annual CPI increase of 8%).

But if you borrow money to buy a car, the bank will bear this part of the loss. Of course, the bank will charge some interest, but you can also use some financial means to fight it. If you encounter some interest-free models, you will make a steady profit. Therefore, it is worthwhile to buy something worth 654.38+10,000 today with only 84,000 in the future.

The car that nobody cares about depreciates!

We all know that the depreciation rate of a new car is about 20% a year. As you can imagine, if you invest 6,543,800 yuan in buying a car, only 80,000 yuan will be left after one year. How can you have the heart to let the hard-earned money evaporate 20 thousand yuan invisibly The best way is to owe the bank first, and then use the money to make money.

Loan to buy a car, reasonable financial management

Compared with real estate, cars have no appreciation potential. If consumers have enough money to buy a car in full, it is better to save the money through loans and reinvest it.

Coupled with the current growth rate of prices, if we don't find a suitable financial management method, we can't keep up with the pace of rising prices, and wealth can only depreciate continuously.

Loan is a relatively low-cost way to obtain funds.

As long as you have funds, it is easy to get high returns by rolling interest. A casual inquiry shows that the interest rate of commercial loans is very high. Then there are only the following ways to solve financial problems:

1. Borrow money from relatives and friends: I can borrow it, but I can afford it. Naturally, I am good, but I can't borrow it. Still can't afford it?

2. Private lending: At present, the monthly interest rate on the market is 2-5 points. This cost need not be calculated, and everyone should know it well.

3. Mortgage loan (individual): Personal mortgage loan, generally mortgaged by real estate. The most time-consuming thing is waiting for the bank quota. Generally speaking, the total time is 1~2 months.

4. Mortgage loan (enterprise loan): general enterprise loans need collateral or pledge. Compared with personal mortgage: the threshold is higher, the time is longer, and the loan can be obtained in 6 months, which is very lucky.

Credit loan is directly based on personal credit rating: the interest rate of credit card is five ten thousandths per day. If only the minimum repayment amount is paid, it is equivalent to monthly interest 1.5% and annual interest 18%.

The above five ways, the interest rate should not be lower than the car loan, right?

Three simple reasons tell you why you should manage your money.

1 In order to accumulate wealth and gradually realize financial freedom, you can do whatever you want.

2, improve their quality of life, material and spiritual realm.

3. Exercise your own financial logical thinking.

The introduction of why I want a loan and why I want a bank loan ends here. I wonder if you have found the information you need?