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Taking out a personal loan? How to avoid overborrowing.
Yahoo Finance· 2025-09-30 15:14
Personal loans are flexible and convenient tools. Need to consolidate debt, cover an emergency dentist visit, or replace a faulty transmission? A personal loan can pay for any of those expenses (and more). Their speed and flexibility make personal loans pretty appealing. According to TransUnion, nearly 25 million people had outstanding personal loans in 2025, with an average loan amount of nearly $12,000 per borrower. Although personal loans can be helpful, they also make it easy to go into debt. Without ...
邮储银行(601658):公司简评报告:非息收入亮眼,储蓄代理费率调整效果显现
Donghai Securities· 2025-09-30 06:38
[Table_Reportdate] 2025年09月30日 公 司 简 评 报告原因:业绩点评 蓄代理费率调整效果显现 ——公司简评报告 [证券分析师 Table_Authors] 公 司 研 究 证券研究报告 HTTP://WWW.LONGONE.COM.CN 请务必仔细阅读正文后的所有说明和声明 王鸿行 S0630522050001 whxing@longone.com.cn | [数据日期 Table_cominfo] | 2025/09/29 | | --- | --- | | 收盘价 | 5.83 | | 总股本(万股) | 12,009,505 | | 流通A股/B股(万股) | 6,712,240/0 | | 资产负债率(%) | 93.73% | | 市净率(倍) | 0.61 | | 净资产收益率(加权) | 5.46 | | 12个月内最高/最低价 | 6.44/4.94 | [Table_QuotePic] -18% -11% -3% 5% 12% 20% 27% 35% 24-09 24-12 25-03 25-06 邮储银行 沪深300 [相关研究 Table_Report] 《邮 ...
AEON CREDIT发布中期业绩,净利润2.34亿港元,同比增长37.1%
Zhi Tong Cai Jing· 2025-09-30 04:32
Core Insights - AEON CREDIT (00900) reported a revenue of HKD 897 million for the six months ending August 31, 2025, representing a year-on-year growth of 4.3% [1] - The net profit for the same period was HKD 234 million, showing a significant increase of 37.1% compared to the previous year [1] - Basic earnings per share were reported at HKD 0.5578 [1] Financial Performance - The company successfully implemented various marketing strategies during the first half of the fiscal year 2025/26 to meet market demand despite uncertain economic conditions [1] - The growth in credit card revolving receivables offset the decline in personal loan receivables, contributing to the overall revenue increase [1] - Interest income rose from HKD 734.5 million in the previous year to HKD 754.5 million, marking a 2.7% increase [1]
AEON CREDIT(00900)发布中期业绩,净利润2.34亿港元,同比增长37.1%
智通财经网· 2025-09-30 04:29
Core Insights - AEON CREDIT reported a revenue of HKD 897 million for the six months ending August 31, 2025, representing a year-on-year growth of 4.3% [1] - The net profit for the same period was HKD 234 million, showing a significant year-on-year increase of 37.1% [1] - Basic earnings per share were recorded at HKD 0.5578 [1] Financial Performance - The company implemented various marketing strategies in the first half of the fiscal year 2025/26 to meet market demand despite uncertain economic conditions [1] - The growth in credit card receivables offset the decline in personal loan receivables, contributing to the overall revenue increase [1] - Interest income rose from HKD 734.5 million in the previous year to HKD 754.5 million, marking a 2.7% increase [1]
AEON CREDIT(00900.HK)上半财年纯利增长37.12%至2.34亿港元 中期息每股25港仙
Ge Long Hui· 2025-09-30 04:22
Core Viewpoint - AEON CREDIT reported a mid-term performance for the six months ending August 31, 2025, showing revenue growth and significant profit increase despite economic uncertainties [1] Financial Performance - The company's revenue reached HKD 897 million, representing a year-on-year increase of 4.28% [1] - Profit attributable to shareholders was HKD 234 million, reflecting a year-on-year growth of 37.12% [1] - Basic earnings per share were HKD 0.5578, with an interim dividend proposed at HKD 0.25 per share [1] Business Strategy - The group implemented various marketing plans to meet market demand, successfully maintaining sales growth despite unclear economic conditions [1] - Continuous growth in credit card receivables offset the decline in personal loan receivables, contributing to the overall financial performance [1] Interest Income - Interest income increased by 2.7% or HKD 20 million from HKD 735 million in the same period last year to HKD 755 million during the reporting period [1]
上市银行“十四五回望”之资负结构与息差变迁
CMS· 2025-09-28 15:09
Investment Rating - The report maintains a recommendation for the banking industry [3] Core Insights - The report provides a comprehensive analysis of the asset-liability structure and interest margin changes of 42 A-share listed banks during the "14th Five-Year Plan" period, highlighting a shift towards corporate loans on the asset side and a stronger retail focus on the liability side [12][14] - The asset-liability structure indicates a significant increase in the proportion of corporate loans, rising from 57.02% to 63.22% from the end of 2020 to mid-2025, while the proportion of demand deposits decreased from 41.94% to 30% [12][14] - The report notes a decline in both asset yield and interest margin, with the yield on interest-earning assets dropping from 4.43% to 3.32% and the net interest margin decreasing from 2.23% to 1.53% during the same period [14][15] Summary by Sections Overall Asset-Liability Structure and Interest Margin Changes - The asset-liability structure shows an increase in loan-to-earning asset ratio from 54.19% to 56.49%, with corporate loans making up a larger share of total loans [14][15] - The average yield on interest-earning assets decreased significantly, with the loan yield falling from 5.34% to 3.82% [15] - The net interest margin for listed banks remains higher than that of commercial banks, despite a decline [14][15] Changes in Each Banking Sector's Asset-Liability Structure and Interest Margin - City commercial banks experienced a more significant increase in the proportion of corporate loans, with their interest margin narrowing less compared to other banks [18] - The report highlights that the proportion of deposits in interest-bearing liabilities for state-owned banks decreased, while it increased for rural commercial banks [18] - The decline in interest-bearing liabilities' cost rate was most pronounced in city commercial banks, leading to a smaller reduction in their interest margin [18]
Financial planner warns Fed’s rate cut won’t ‘change anybody’s life overnight’ — is it too soon to refinance?
Yahoo Finance· 2025-09-28 12:00
Core Insights - The Federal Reserve has initiated its first interest rate cut of 2025, reducing the federal funds rate by 25 basis points to a range of 4%-4.25% [5] - The Fed is anticipated to implement two additional rate cuts before the end of the year, suggesting that consumers may benefit from waiting to refinance or secure long-term loans [2][10] Impact on Mortgage Rates - Mortgage rates are more closely linked to the yield on the 10-year Treasury rather than directly following the Fed's rate changes, which have been easing since July [1][6] - Anticipation of rate cuts can lead mortgage lenders to adjust their rates in advance, as seen with mortgage rates beginning to fall in August prior to the Fed's announcement [6] Consumer Borrowing Considerations - The recent 25 basis point cut by the Fed is considered minor and may not significantly lower consumer borrowing rates, leading experts to label it a "non-event" [3] - Consumers are advised to consider the costs associated with refinancing too quickly, as repeated refinancing could incur substantial closing costs [11] Specific Loan Types - Auto loan rates are influenced by various factors, including the Fed's benchmark rate, but may not see immediate reductions following the Fed's cuts [7] - Federal student loan rates are set annually on July 1 and will not be directly affected by the Fed's rate cuts, although private student loans with variable rates may see some relief [8][12] Strategic Financial Advice - Financial advisers can provide guidance on the timing of refinancing based on economic conditions and individual financial situations, such as credit score improvements [15][16] - Consumers facing difficulties with loan payments are encouraged to communicate with lenders to explore available options [14]
3 Ways a Personal Loan Can Help You Build Credit
Yahoo Finance· 2025-09-26 14:55
There are many reasons to take out a personal loan. You may have an unexpected emergency, home renovations or a major event coming up. Whatever the reason, taking out a personal loan and paying it back on time can do wonders for your credit, and for some, that’s reason enough to get a personal loan. Consider This: Key Signs Your Credit Card Is Quietly Wrecking Your Finances Read More: 7 Ways To Tell If You're Rich or Middle Class -- It's More Than Your Paycheck Having a good credit score can lower interes ...
万亿一步之遥,天津银行A股IPO能否破局?
Sou Hu Cai Jing· 2025-09-25 10:12
《投资者网》崔悦晨 近期,港股上市的天津银行(01578.HK)发布了2025年中期业绩,这也是该行2025年3月完成新一届董事会换届后的首份中期业绩报告。截至报告期末,天 津银行资产总额达9656.75亿元,较上年末增长4.3%,实现营业收入88.3亿元,同比增长0.8%;净利润20.1亿元,同比增长1.6%。 在宏观经济复苏承压、银行业净息差普遍收窄的背景下,天津银行实现了营收与利润的双增长,整体不良率保持稳定。资产质量方面,不良贷款率为 1.70%,与上年末持平;拨备覆盖率达171.29%,较上年末提升2.08个百分点。受市场环境影响,净息差为1.47%,较上年同期下降0.13个百分点。 十年A股IPO"长跑"。 值得关注的是,此前的8月13日,天津银行更新了A股IPO的最新进展,显示上市辅导已进入第二十八期,辅导机构仍为中银证券与中信证券。从2015年8月 在天津证监局完成IPO辅导备案算起,这家银行的A股上市之路已整整走了十年。 资产规模向万亿元迈进 据半年报显示,截至2025年6月末,天津银行资产总额达9656.75亿元,同比增长4.3%,距离"万亿俱乐部"仅一步之遥。业绩方面,天津银行实现营业收 ...
How to refinance a personal loan
Yahoo Finance· 2025-09-19 19:38
Core Insights - Personal loans can be refinanced to secure lower interest rates, better terms, or reduced monthly payments [1][3][9] Group 1: Personal Loan Refinancing Overview - Refinancing involves replacing an existing personal loan with a new one, which can be from the same lender or a different one [2] - Many borrowers refinance to access lower interest rates or reduce monthly payments, especially when market conditions are favorable [3] Group 2: When Refinancing Makes Sense - Refinancing is beneficial if the borrower's credit has improved, leading to potentially lower interest rates [5] - A stronger financial situation, such as increased income or reduced debt, can also justify refinancing [5] - Lower current interest rates compared to when the original loan was taken out can make refinancing advantageous [5] - Switching to a new lender or changing repayment terms can enhance the borrower's situation [5] - If the loan is nearly paid off, refinancing may not yield significant savings due to potential fees [5] - Refinancing is not advisable if current rates are higher than the original loan rates, as this would increase costs [5][6] - A decline in the borrower's financial situation, such as increased debt or lower income, makes refinancing less likely to be beneficial [6] Group 3: Qualification for Refinancing - Borrowers typically need fair credit, consistent income, and a debt-to-income ratio of 36% or less to qualify for refinancing [7] - Higher credit scores increase the likelihood of obtaining lower interest rates and reduced fees [7] Group 4: Shopping for the Best Loan - It is essential to shop around for different lenders to find the best refinancing options, including local banks, credit unions, and online lenders [8] - Prequalifying with multiple lenders provides insights into potential loan terms, interest rates, and fees without impacting credit scores [9]