Is it in Dongguan? We can also build our own houses, where we have small property rights.
Just like Taobao, only when you click to confirm the receipt can the merchant get the money, which is a guarantee.
2. From which account did the bank loan fund go out? Or the transfer and remittance will involve a transferor and a transferee, so does the loan involve a transferor?
If you are a borrower, the bank loan will be credited to your loan account first. In which bank do you borrow money? Generally, it is credited to the loan account you opened in this bank, which can be a company account or a personal account. Specifically, you borrow money in the name of an individual or a company. If you pay by yourself, then the next payment is to pay the purchase price of the upstream purchase by yourself according to the use of funds, and you can transfer the payment or withdraw the payment. However, in general, large loans (more than 500,000 yuan) are entrusted payment. Entrusted payment means that you entrust the loan bank to pay the loan directly to your designated counterparty (upstream supplier) through your loan account. Generally, it is necessary to submit relevant contracts with the account number and name of the payee on them.
In fact, the entrusted payment only stays in your account for a short time, about one second, which is just trace management, and then it is automatically transferred to your counterparty, which is what you call the transferee!
Third, why do bank loans require money to be transferred to third-party accounts?
Because bank loans must be accepted, it is necessary to transfer the money to a third-party account, which is the regulation of the banking supervision department.
Housing mortgage loans are lent to third-party accounts for mortgage loans. Depending on the loan, people usually buy houses, cars and private accounts, that is to say, sales must also be sold to third-party company accounts.
First, strictly manage the flow of loans, but it does not affect borrowing.
The new personal loan method stipulates that personal loans such as decoration and building materials can be paid independently, but the lender must reach an agreement with the bank and report the purpose of the loan on schedule. The new method also stipulates that individual industrial and commercial households can apply for business loans of less than 500,000 yuan or pay independently through personal loans, but there are many restrictions.
For the management of loan purposes, banks have their own "ingenious ways". For example, for the decoration loan business that can be paid independently, Shanghai Pudong Development Bank implements comprehensive credit. In order to get a loan of 300,000 yuan, the bank will lend 300,000 yuan to the borrower in stages for the decoration process.
Two, the individual industrial and commercial households operating loans of less than 500 thousand yuan.
Its use is more strictly tracked. The actual transfer direction of Shanghai Pudong Development Bank depends on the voucher after payment and should be reported regularly according to the contract. Once it is found that it is inconsistent with the specified loan purpose, it will be required to recover the loan. "The borrower is not using its own funds, but credit funds. From the perspective of risk prevention, reasonable supervision is necessary.
Personal business loans are mainly entrepreneurial loans or small business loans, and the variables of entrepreneurship are relatively large. Will such strict loan management affect if you really want to change the loan, terminate the original contract, and then go through the application review procedures again, so that the loan will not be repaid and you will not start your own business?
4. Why do bank loans need money to be transferred to third-party accounts?
Bank loans need to be transferred to the account of a third party because the loan must be paid and transferred by a third party, which is the regulation of the banking supervision department. The purpose of lending a mortgage to a third-party account is to prove the use of the loan funds. Housing mortgage depends on the purpose of the loan, and personal consumption is generally buying a house, buying a car and decorating. These are all accounts to the third party, that is, the seller's account. Personal business loans should also be paid to the company account of a third party. The simple and popular understanding of a loan is to borrow money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan. Banks put concentrated money and monetary funds out through loans to meet the needs of social expansion and reproduction for supplementary funds and promote economic development; At the same time, it can also obtain loan interest income and increase the bank's own accumulation. In China, the principle of paid use of loans is also used to promote enterprises to improve their management; Take bank credit as an important way to allocate funds and an important economic lever to regulate the economy.