There is definitely no such rule in the country! It may be the internal regulations of the bank.

I bought a house in Tianjin. At that time, I handled a combination of commercial loans and provident fund loans, both from average capital. This year, we also offered a 30% interest rate discount.

You can complain to their superior department.

Second, how to punish the return of funds?

If the borrower's operating loan funds are not found to flow back to the bank, it violates the provision that the loan must be "entrusted to pay" and belongs to "three inspections are not strict". If it is found through inspection, the regulatory authorities will usually impose fines on banks.

If it is aimed at borrowers, once the bank finds that the borrower's loan funds are flowing back, one way is to ask the borrower to rectify, and the other more severe way is to ask the borrower to repay in advance.

The repayment of loan funds mentioned by the subject is only used for business, but it has little reference significance for punishment. Because you just violated the "entrusted payment" rule.

3. How to return the bank loan funds?

1, prepare data. Individuals should first prepare the materials needed for bank loans, including loan application, customer's ID card, household registration book, income certificate, proof of marital status and other materials (for customers with spouses, spouse's ID card and household registration book should also be provided). If they are customers with mortgage loans, they need to issue proof of property rights of collateral; If you are a customer with unsecured loans, you need to provide a good credit record. 2. apply. After preparing the relevant materials, the customer can apply for a loan at the bank or the law firm entrusted by the bank, and submit the relevant materials to the bank for review. After the customer pays various fees, the customer needs to sign a loan contract with the bank as a legal document binding both parties. 3. Payment review. If it is a house purchase loan, the law firm entrusted by the bank will first conduct a preliminary review of the customer's application, and if it is qualified, the bank will conduct the final loan approval; If the review fails, the bank will refund the relevant information of the customer and the fees charged. 4. Go through other legal procedures. In addition to the contract, the customer also needs to go through some legal procedures. If it is a mortgage customer, the customer needs to register and file the mortgage in the bank for future inquiry. 5. Bank loans. After the customer's relevant procedures are completed, the bank will approve the loan according to the borrower's evaluation or submit it to the superior for approval. Subsequently, the staff will inform the customer of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan project to the customer's account. Legal basis: Article 49 of the People's Bank of China Law of the People's Republic of China. Where local governments, government departments at all levels, social organizations and individuals force the People's Bank of China and its staff to provide loans or guarantees in violation of the provisions of Article 30 of this Law, the directly responsible person in charge and other directly responsible personnel shall be given administrative sanctions according to law; If the case constitutes a crime, criminal responsibility shall be investigated according to law; If losses are caused, it shall bear part or all of the liability for compensation.

4. Recognition of the withdrawal of bank loan funds.

Legal analysis: the repayment of loan funds means that the borrower's loan has been entrusted by the bank to the borrower's supplier, and then transferred back to the borrower by the supplier after the operation of the borrower and the supplier. From the above three aspects, we can realize that this kind of situation often occurs in entrusted loans.

Legal basis: Article 7 of the General Principles of Loans: Self-operated loans refer to loans that are independently issued by the lender with legally raised funds, the risks are borne by the lender, and the principal and interest are recovered by the lender. Entrusted loans refer to loans provided by clients such as government departments, enterprises, institutions and individuals, and issued, supervised and recovered by lenders (trustees) according to the loan object, purpose, amount, term and interest rate determined by the clients. Lenders (trustees) only charge handling fees, and do not accept loans issued by banks approved by the State Council and taking corresponding remedial measures for possible losses caused by loans.