First, how many times are bank loans issued? That's what the bank says.
General bank loans are issued in one lump sum. If the lender wants to pay in several installments, he can negotiate with the loan bank. If the loan amount is relatively large, the bank may bring them in twice, or there is a certain approval process.
Although most bank loans are issued at one time, they must be collected many times. And it will generate a lot of interest, and the lender must know it. If you want to repay the loan in advance after the loan, you need to apply to the bank. If you apply for early repayment soon after the loan, there will be liquidated damages.
According to the different purposes of borrowing, the rhythm of bank funds is also different. Generally speaking, personal housing and consumer loans are one-time loans, and corporate loans are based on the progress of the project.
After reading the above introduction, I believe you have a further understanding of whether bank loans will be distributed in several times. In fact, the loan is divided into several specific times, how to repay it, how much interest it is, and so on. These are all in accordance with the regulations of loan banks, and the regulations of major banks are different, so those who need this can consult interested banks first, and then choose according to their own situation.
Second, the consumer loan transfer can't be found several times.
Consumer loans handled by formal institutions can be found in credit information, and the transfer records of consumer loans will not disappear, but can be found in subsequent reconciliation. Users can only use consumer loans for specific scenarios, such as shopping, education, medical care, etc. However, it cannot be used for investment and wealth management after handling consumer loans.
Users must repay the loan on time, and there can be no overdue repayment, because there will be penalty interest after the loan is overdue. The longer the time, the more penalty interest. And after the deadline, the bank will collect the money. The common collection method is to call the borrower and keep urging the user to return it.
It should be noted that overdue loans will be uploaded to the credit information center, and bad credit information will affect the subsequent handling of various loans, such as car loans or mortgages. After the arrears are repaid, they will remain in the credit report for 5 years, and disappear automatically after 5 years, and will no longer remain in the credit report.
In order to ensure the timely repayment after handling the loan, users must measure their repayment ability when applying for the loan and know what kind of income to use to repay. If the personal income is not much, it is necessary to handle the loan carefully at this time. In fact, in the case of a small loan amount, users can borrow money directly from friends around them to avoid interest expenses.