信贷业务基本知识（二）下载后可任意编辑目 录第一部分、贷款基本常识..............................................41.贷款的定义：.............................................................................................42.贷款人的定义：.........................................................................................43.借款人的定义：.........................................................................................44.贷款的“三性”原则：.............................................................................45.利率、法定利率和合同利率：.................................................................46.常见的贷款担保方式：.............................................................................57.公证和贷款公证：.....................................................................................68.公证书的法律约束力：.............................................................................6第二部分、个人贷款及主要贷款品种....................................7一、个人贷款.....................................................71.个人贷款的定义及特点：.........................................................................72.个人贷款的种类：.....................................................................................73.如何选择个人贷款的还款方式：.............................................................74.在何种情况下贷款银行可以处理抵押物：.............................................7二、个人住房类贷款...............................................81.个人住房贷款定义及其特点：.................................................................82.个人住房贷款的额度：.............................................................................93.个人住房贷款常见的还款方式：.............................................................94.个人住房贷款的申请程序：...................................................................105.个人住房装修贷款定义：.......................................................................106.借款人...
