Users transfer loan funds many times before using the loan funds to avoid the flow of loan funds being monitored by banks. However, as long as the user transfers money through the bank channel, no matter how many times the transfer is made, the bank can monitor the specific flow of the user's loan funds. However, the bank's supervision is not strict, and users transfer money many times before using the loan funds, and the bank has not reminded users.
How many times did you refinance the loan?
Generally, normal bank loans are not tracked after two transfers. However, it is required that the last two transfers should be handled by myself or immediate family members such as parents, children and spouses on the same household registration book. If someone else transfers the money, the bank will not recognize it.
I. Loans
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.
Second, the loan matters needing attention
1, loan amount:
When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.
2. Loan information:
The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.
3. The purpose of the loan:
When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.
Third, the consequences of loans overdue.
1. Penalty interest: When signing a loan contract, some relevant regulations are generally made for loans overdue. If the loan contract is overdue, there will generally be a penalty interest. For different financial institutions, the amount of penalty interest and the interest generated are different. However, as an expense that should not be spent, it is better not to generate it.
2. Credit stain: This should not be underestimated. Once in loans overdue, the bank will report your overdue records to the central bank's credit information system. Once the record is generated, it will leave a stain on your personal credit report. This small stain will form a great resistance to your future loan or credit card application, so the borrower must not lose big because of small.
3. You can't enjoy the preferential loan interest rate: We all know that when you apply for a loan from a bank, the loan interest rate will fluctuate to varying degrees, and high-quality customers can usually get the lowest loan interest rate. Users with loans overdue records can't enjoy preferential interest rates even if they can get a loan application.
My loan is 250 thousand. Why did the bank call me five times?
If you borrow 250,000 yuan, the bank will call you five times. You can look at the loan contract. Sometimes bank loans are not paid to your card at one time, but to your card several times, as long as the total amount is 250 thousand.
This is the case with bank loans.
Bank loan process
1, customer application. Customers apply to the bank, fill in the application form in writing and submit relevant materials at the same time. It should be noted that in addition to applying for small loans in rural areas, other types of loans also need to provide relevant information. Mainly includes: the basic information of the borrower and the guarantor. Correct the original unreasonable loan. List of collateral and pledge, the consent certificate of the person who has the right to dispose of the collateral and pledge, and the relevant certificates that the guarantor intends to agree to guarantee. Other relevant information, etc.
2. Sign the contract. After the application materials submitted by the borrower are approved by the bank, the two parties sign a loan contract and a guarantee contract, and the bank evaluates the applicant's credit rating. Handle relevant notarization and mortgage registration procedures as appropriate.
3. issue loans. After obtaining the mortgage certificate, if the loan is approved by the bank, after all the formalities are completed, the bank will directly transfer it to the borrower's transaction object or distribute it to the borrower in the form of transfer according to the contract, and the borrower will pay it to its transaction object.
4. Post-loan inspection. Follow-up investigation and inspection of the borrower's execution of the loan contract and operation.
5. Repay on schedule. The borrower shall repay the principal and interest of the loan according to the repayment plan and repayment method agreed in the loan contract. Within the repayment period agreed in the loan contract, the borrower may postpone 10 natural days on the basis of the agreed repayment date. If the loan is to be postponed, it should be before the loan maturity date. The borrower needs to apply to the bank for loan extension, and the bank decides whether to extend the loan.
1. How long will it take to approve the mortgage?
According to the current general market situation, there are some differences in the approval procedures of banks, but the process from formal application to final approval of banks takes 12 working days at the earliest, and it will arrive at the account 48 hours after approval. Because it involves evaluation, mortgage registration and other links, the situation of each customer will be different; For specific matters such as lending time, review status, processing progress and cancellation, you can directly contact the handling outlet or loan account manager for confirmation.
Second, the bank loan process
1. Submit personal loan application first;
2. After bank acceptance-evaluate the mortgaged property;
3. Review the loan according to the appraised price and the information provided by the borrower;
4. After passing the examination, sign a loan contract with a law firm, and handle the mortgage formalities of real estate warrants at the same time;
5. Bank loans.
To sum up, from the above, we can know that the approval speed of mortgage loans depends on the approval procedures of major banks, after all, the process of each bank is different. Generally speaking, applicants need to fill out and submit a bank loan application before the bank will accept it. Real estate appraisal, will review loans, sign loan contracts, and handle mortgage procedures. This application process is still relatively short, just follow the steps.