Today, I will share with you the knowledge of what is lending, and also explain what is lending. Let's start now!
What do you mean by loan extension? Please give a brief answer, thank you!
Is it necessary to take out the loan and deposit it in your account? Answer: Yes, Q: Well, what's the point of refinancing? Bank loans can be deposited directly into my account. Why should I take them out and deposit them again? . . ? Thank you for your answer: Generally speaking, the meaning of loan extension is where your loan will definitely be used, and the day you get the loan may not be the day you start working, so the loan extension will generate some deposit interest to help you repay the loan interest. Of course, if you are lucky, you can tell the bank that the money I borrowed will be deposited in our bank. You can ask the bank to give you some compensatory balance. In other words, you pay less interest. This interest will be higher than the deposit interest. You borrowed money from the bank, but you don't mention it and want the bank to take it back. When you go to the bank for a loan, people will ask you what your purpose is, and then give you a loan, but you don't mention it. Do you know that after the loan is approved, you can only put it into a temporary account first, and then you can enter basic deposit account in a few days? If you don't take it out, just wait. . Answer: Tell me that you have gone through a lot of trouble to get money from the bank. When all the formalities are finished, all you have to do is take out the money, but don't mention it. What will the bank think? The bank will think that you don't need the money anymore, and don't want it when you run out. Aren't you playing the bank? Loan interest is the main source of income for banks, but you don't withdraw money. How can people bear the interest? What can they do if they don't charge you a penalty interest?
What do you mean by dumping?
Transfer is the abbreviation of automatic transfer of time deposits, that is, after the deposit expires, if the customer does not go to the bank to go through the transfer formalities, the bank can automatically transfer the due deposit principal and interest together according to the same deposit term, regardless of the number of times, and the interest on the renewal period is calculated at the interest rate of the previous maturity date.
After renewal, if less than one customer requests to withdraw the deposit, the interest of this period will be calculated according to the current interest rate on the withdrawal date during the renewal period.
If the intermediate interest rate of fixed deposit is adjusted, the deposit interest will not be affected, and it will still be calculated according to the daily interest of deposit. However, when it is automatically transferred at maturity, the latest interest shall prevail.
The deposit methods of fixed deposit include lump-sum deposit and withdrawal, lump-sum deposit and withdrawal, principal deposit and withdrawal and lump-sum deposit and withdrawal.
Fixed deposit in lump sum and withdrawal
It is a time deposit in which customers choose the deposit term, lump-sum deposit and withdrawal, and withdraw the principal and interest at maturity.
Service function:
1. Higher stable income: the interest rate is higher, and the interest rate is directly proportional to the length of the term; When the stock market crashed, banks became safe havens.
2. Convenient and worry-free: It has the function of automatic transfer after the lump-sum deposit expires, and customers can change the deposit in the account from a current account to a current account or an expired account through various transfer channels provided by the bank. Customers can also flexibly manage the principal and interest, deposit period and deposit form of their lump-sum deposits through the agreed transfer function;
3. Flexible capital: when customers need capital turnover and the lump-sum deposit in the bank is not due, they can obtain personal loan financing through the lump-sum deposit in the self-service loan pledge account; Partial withdrawal can be made in advance, but interest will be calculated according to the deposit interest rate listed on the withdrawal date;
4. Low minimum deposit: the minimum deposit in each currency is as follows: RMB 50 yuan, foreign currency: HKD 50 yuan, Japanese yen 1000, and other currencies are original currency10;
5. Many deposit options: RMB deposit options: three months, six months, one year, two years, three years and five years; Term selection of foreign currency deposit: one month, three months, six months, one year and two years.
Installment time deposit
If customers need to gradually accumulate the monthly balance, they can choose the deposit method of "zero deposit and lump sum withdrawal". Lump sum deposit and withdrawal refers to the fixed deposit with an agreed amount, which is deposited monthly according to the agreed amount and the principal and interest are withdrawn at maturity.
selling point
1. has a wide range of applications and simple procedures.
2. Balance of payments, higher income.
3. Low initial deposit amount: 5 yuan can deposit RMB.
4. There are many options for storage period: including one year, three years and five years.
5. It needs to be fixed once a month: if it is missed in the middle, it will be replenished next month. Failure to complete it is considered a breach of contract, and it will not
Then accept the customer's updates and supplements.
Deposit principal and withdraw interest
If a customer has money that he doesn't need to use within a certain period of time, he only needs to withdraw interest regularly for daily expenses, and the customer can choose the method of "saving principal and withdrawing interest" as his regular savings deposit. "Deposit with interest" is a kind of time deposit, in which the principal is deposited in one lump sum, the interest is withdrawn in installments, and the principal is withdrawn at maturity.
selling point
1. The initial deposit amount is high and the deposit balance is stable. The initial deposit amount is RMB 5,000.
2. There are many options for storage period: one year, three years and five years.
3. Interest payment by installment: interest cannot be withdrawn in advance. If no interest is withdrawn on the interest withdrawal date, interest can be withdrawn at any time in the future, but compound interest is not calculated.
time deposit of lump-sum deposit and withdrawal
If a customer has a large monetary income and needs to withdraw it in installments within a certain period of time, he can choose the "lump sum deposit and withdrawal" method as his own savings deposit method. The "lump sum deposit and withdrawal" business is a fixed deposit with a pre-agreed term, lump sum deposit and withdrawal, withdrawal of principal by installments and withdrawal of interest at maturity.
selling point
1. Low initial deposit: RMB 1000 yuan;
2. There are many options for storage period: one year, three years and five years;
3. Select multiple withdrawal intervals: you can choose one month, three months or half a year.
4. Interest shall be withdrawn at the time of settlement.
What does it mean to transfer the principal and interest in the passbook?
Transfer of principal and interest is an operation in time deposit, which means that when a user's time deposit expires, the depositor does not take the initiative to go to the bank for withdrawal or renewal, and the bank will automatically renew the due deposit principal and interest together according to the same deposit period, and there is no limit on the number of times of this operation.
Automatic rollover of time deposits. If the customer fails to go to the bank for deposit transfer after the deposit expires, the bank can automatically transfer the due principal and interest of the deposit together according to the same deposit term, regardless of the number of times, and the interest for the renewal period is calculated according to the interest rate of the previous maturity date.
After renewal, if less than one customer requests to withdraw the deposit, the interest of this period will be calculated according to the current interest rate on the withdrawal date during the renewal period. If the intermediate interest rate of fixed deposit is adjusted, it will not affect the deposit interest, and it will still be calculated according to the daily interest of deposit. However, when it is automatically transferred at maturity, the latest interest shall prevail.
If it will not be used for a long time (for example, three years), you should choose one-year or two-year time deposits (these two kinds of deposits are called gold deposits), because the calculated one-year and two-year time deposits are stored alternately, and the interest-bearing effect is the best. If you are not sure about the time to spend the money, you'd better divide it into several parts. You should go to the bank counter in person, and don't ask acquaintances or bank door-to-door depository personnel to do it for you to prevent the risk of misappropriation of funds. To decide whether to make an appointment for automatic renewal. If you reserve an automatic deposit, when the deposit expires, the bank will automatically deposit a fixed-term deposit, which can avoid the interest loss caused by forgetting to deposit in time.
Interest refers to the reward that the currency holder (creditor) gets from the borrower (debtor) for lending money or monetary capital. Including deposit interest, loan interest and interest generated by various bonds. Under the capitalist system, the source of interest is the surplus value created by hired workers. The essence of interest is a special transformation form of surplus value and a part of profit. According to the different nature of banking business, it can be divided into bank interest receivable and bank interest payable. Some lenders are vague about interest rates, such as 7%. You don't know whether it means annual interest rate, monthly interest rate or interest rate. If it is the annual interest rate, then the annual interest rate of 7% is still acceptable; But if it refers to the daily interest rate, then the converted annual interest rate is 25.55%, which has exceeded the highest interest rate supported by national laws.
Banks prohibit deposit and loan linkage. What does deposit-loan linkage mean?
; The ban on "deposit-loan linkage" by CBRC has caused a lot of controversy. In fact, this is also to reduce the burden on enterprises, especially to alleviate the financing problems of small and micro enterprises. So, what does the deposit-loan linkage mean?
Deposit-loan linkage means that in order to absorb deposits, banks require applicants to deposit corresponding deposits in loan banks in proportion to the loan application amount. Simply put, deposit is the prerequisite for approving and issuing loans. Bank interest is calculated in different ways, including daily interest, monthly interest and quarterly interest, but when a loan is repaid, the value date is calculated to the repayment date.
One of the "seven prohibitions" issued by the CBRC is that banks are not allowed to link deposits and loans. The loan business and deposit business of banking financial institutions should be strictly separated.
"Seven Prohibitions" of CBRC:
1. It is not allowed to transfer loans, that is, it is mandatory to set terms or negotiate to convert some loans into deposits.
2. Do not link deposits with loans, that is, take deposits as a prerequisite for approving and issuing loans.
3. It is not allowed to charge by means of loans, that is, customers are required to accept unreasonable intermediary business or other financial services and charge fees.
4. Floating interest is not allowed to be divided into handling fees, and interest is decomposed into handling fees to increase the expected annualized interest rate in disguise.
5. Lending tying is not allowed, that is, tying wealth management, insurance, funds and other products forcibly.
6. It is not allowed to float to the top, that is, the expected annualized interest rate of loans is generally raised to the maximum limit.
7. Costs are not allowed to be passed on, and operating costs are passed on to customers in the form of expenses.
Introduce a commercial loan product to you.
Can I deposit the interest-free loan for a fixed period?
No, this behavior is not allowed by law.
Borrow100000 yuan from the bank first, and then deposit100000 yuan into the bank on a regular basis. From the bank's point of view, this behavior is called deposit by loan. It is the first of the "seven prohibitions" on credit business mentioned in CBRC 20 12:
Loan transfer is not allowed. Bank credit business should adhere to the principle of real loan and real payment, pay the loan funds directly to the borrower's counterparty in full, and may not set terms or negotiate to convert some loans into deposits.
You know, the most profitable way in the world is written in criminal law, and the most profitable way for banks is written in various bans. In the past, many banks have been doing this. As Party A, he will tell you that I can help you, but I have one condition, you have to agree first.
What does the loan push mean?
When you say whether the loan is refinanced, it means that the bank deducts a certain percentage from the loan while issuing the loan and forcibly takes it as the customer's deposit in the bank. New regulations: loan transfer is not allowed.
The other is a wealth management product that the loan platform runs at the same time, such as personal loan wealth management. Web page link
This is enough for the introduction of what is called deposit by loan. Thank you for taking the time to read the contents of this website.