个人贷款种类的介绍

个人贷款，又称零售贷款业务，经过几十年的发展，已成为一项重要的贷款业务。接下来小编为大家整理了个人贷款种类的介绍，希望对你有帮助哦!

　　一、个人二手房贷款

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.

个人二手房贷款是银行向借款人发放的用于购买售房人已取得房屋产权证、具有完全处置

权利、在二级市场上合法交易的个人住房或商用房的贷款。

Any natural person having a complete civil capacity may apply for personal second-hand housing loan to the bank.

具有完全民事行为能力的自然人可向银行申请办理个人二手房贷款。

　　二、个人住房装修贷款

Personal housing decoration loan means a loan lent by the bank to the borrower for it to decorate a self-owned housing.

个人住房装修贷款是银行向借款人发放的用于自有住房装修的贷款。

Any natural person having a complete civil capacity may apply for Personal housing decoration loan to the bank.

具有完全民事行为能力的自然人可向银行申请办理个人住房装修贷款。

　　三、个人商用贷款

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.

个人商业用房贷款是指银行向借款人发放的购置自营性商业用房和自用办公用房的贷款。

Any natural person having a complete civil capacity may apply for personal commercial housing loan to the bank.

具有完全民事行为能力的自然人可向银行申请办理个人商业用房贷款。

　　四、个人购置住房贷款

Personal house purchase loan means a loan lent by bank to the borrower for purchasing a self-used common housing.

个人购置住房贷款是指银行向借款人发放的用于购买自用普通住房的贷款。

The prospective borrower of personal housing loan should be a natural person having a complete civil capacity.

个人购置住房贷款对象应是具有完全民事行为能力的自然人。

　　五、个人住房贷款

Housing loans refer to loans granted by the bank to borrowers to facilitate housing purchases.

个人住房贷款是指银行向借款人发放的用于购买住房的贷款。

Housing loans are divided into housing loans on own account, housing loans on authorization and combined loans.

个人住房贷款分为自营性住房贷款、委托住房贷款和组合贷款。