Generally speaking, when I apply for a loan, the bank card number is wrong, which means that the loan is unsuccessful, because the card number, the cardholder's name, the bank of deposit and other related information must be compared one by one. If there is an error, the remittance is unsuccessful. But if the card number is wrong but the loan is made, this situation needs to be repaid.
Extended data:
Bank loan:
Bank loans, in short, are loans issued by banks to borrowers. It is an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. To apply for a bank loan, you need to meet the following conditions:
I. Age
The borrower's age needs to be between 18 and 60 years old, and the borrower's actual age plus the loan application period should not exceed 70 years old.
Second, identity.
Borrowers can apply as long as they are citizens with full civil capacity, and citizens from mainland China, Hong Kong, Macao and Taiwan or foreign countries can apply.
Three. Work income
Borrowers need to have a legal and stable job and income source, and have the ability to repay the loan principal and interest on schedule.
Fourth, personal credit.
The applicant's personal credit situation is very important, and it is difficult to apply for a bank loan without a bad credit record.
Generally speaking, bank loans generally need to provide guarantees, house mortgages, or proof of income. People with good personal credit information have a higher success rate in applying.
Bank loan interest calculation:
Banks can not only provide savings deposit business, but also provide various loan business. In the loan business of banks, there are two main ways to calculate interest: equal principal and interest and average capital.
I. Calculation method of equal principal and interest
If your bank loan adopts the calculation method of equal principal and interest, then the total amount you should repay each month = [loan principal × monthly interest rate ×( 1+ monthly interest rate )× repayment months ]↓[( 1+ monthly interest rate )× repayment months].
For example, Xiaolan borrowed 9000 yuan for 9 months, with a monthly interest rate of 0.9%. Then Xiaolan's monthly principal and interest should be = [9000× 0.9 %× (1+0.9%) 9] ÷ 9-.
Second, the average capital calculation method
If your loan in the bank adopts the calculation method of equal principal and interest, then the total amount you should repay each month = (loan principal ÷ repayment months)+(principal-accumulated principal repaid) × monthly interest rate.
For example, Xiao Lv borrowed 6,000 yuan for six months, with a monthly interest rate of 0.6%. And he has paid back 3000 yuan, so the principal and interest he wants to pay back next month is = (6000 ÷ 6)+(6000-3000) × 0.6% =1.018 yuan.