1. What is the purpose of the loan?
The purpose of the loan is the destination of the loan funds. Basically, all lending institutions have provisions on the use of loans, such as special loans, mortgage loans, car loans, decoration loans, travel loans, study abroad loans and so on. The loan funds will go directly to the cooperative third-party platform, and the borrower will not receive the money. Other ordinary loans are generally used for consumer loans and commercial loans. The loan customer service will ask about the purpose and avoid using it for other purposes.
The purpose of the loan is prohibited to be used in illegal ways such as stock trading, down payment, gambling, investment and wealth management, usury and drug abuse. Once it is discovered by the lending institution, it may be required to settle in advance, and if the circumstances are serious, it will be investigated for responsibility.
Second, how to answer the question of loan customer service?
Answer truthfully. Common loan purposes include shopping, marriage, luxury consumption, leisure and entertainment, medical care, reading, business and so on. You can choose the right product according to your specific needs. When the loan customer service asks, just answer directly.
After the loan arrives, try to keep the proof of consumption, because many banks and financial institutions may ask the borrower to upload the proof of use from time to time. If the repayment is not made on time, the next loan may be rejected.
In short, as long as it is not a loan purpose prohibited by law, it is generally no problem to repay on time and maintain good credit.