I'm handling a commercial loan, and the loan has come down. If you want to withdraw money, you can transfer it directly, and then you can continue to repay according to the loan contract.

Personal business loan refers to the loan issued by the bank to the borrower for the borrower's legitimate production and business activities such as moving, purchasing or updating business equipment, paying the rent of leased business premises, and decorating commercial premises. The process includes consulting, submitting materials, signing a contract, lending according to procedures after review, returning the loan, and canceling the mortgage after liquidation. This kind of loan is similar to SME loan to some extent, and its business management is more complicated. Therefore, banks generally only choose institutions that operate personal loans from branches with good economic environment, great market potential, high management level, good asset quality and low non-performing rate of personal loans.

How to get the money out of the special account for fast loan of China Construction Bank?

Fast loan is a full-process online self-help loan service launched by China Construction Bank for individual customers. After a friend applied for a quick loan from China Construction Bank, he didn't know how to withdraw funds from the special account for quick loans. Let's learn how to withdraw funds from the special account for quick loans!

How to get the money out of the special account for fast loan of China Construction Bank?

1 Withdrawal from mobile banking: log in to the mobile banking of China Construction Bank, click Quick Loan-Withdrawal-Fund Transfer from Special Account for Quick Loan, and follow the prompts.

2. Online bank withdrawal: log in to the online bank of China Construction Bank, click Loan Service-Personal Fast Loan-Special Account Fund Transfer, and follow the prompts.

3ATM withdrawal: after inserting the card, select "fast loan business" in the main interface, and then select the special account for fast loan to withdraw money.

4. Counter withdrawal: Take your ID card and bank card and go to any branch of China Construction Bank for quick withdrawal.

It should be noted that there are four products in the fast loan of China Construction Bank: fast e-loan, car e-loan, financing e-loan and pledge loan. Auto e-loan does not support the transfer of loan funds, and it needs to be swiped at the 4S shop designated by the cooperative auto manufacturer. The loan funds can only be used to buy cars, auto insurance and related after-sales services.

How to transfer the loan money to the personal card?

If it is a personal loan, there are two ways to withdraw the loan funds: you can directly take the allocated bank card to the ATM of the loan bank to withdraw cash, or manually withdraw the funds at the counter. Because after the loan is successful, the bank will directly transfer the loan amount to the personal account and can withdraw it at any time after the loan arrives.

If it is a consumer or an operator, it should be transferred to the other party's account before operation. If you leave the other party's account, you cannot return to your or your spouse's account. Go to an account and come back!

Supplement: loan procedures

1. Loan application. Borrowers apply for loans from local banks. In addition to applying for rural areas, other types of loan applications should also provide relevant materials. (1) Basic information of the borrower and guarantor; (2) the financial report of the previous year and the financial report of the previous period approved by the financial department or accounting (auditing) firm before applying for the loan; (3) to correct the original unreasonable occupation of loans; (4) List of collateral and pledge, relevant certificates of the consent of the person who has the right to dispose of collateral and pledge and the guarantor's consent to guarantee; V. Project proposal and feasibility report; (6) Other relevant information deemed necessary by the Bank.

2. Credit rating evaluation. The bank evaluates the borrower's credit rating.

3. Loan survey. Banks should investigate the legitimacy, safety and profitability of borrowers.

4. Loan approval. The Bank conducts loan approval in accordance with the loan management system that separates loan approval from grading approval.

5. sign a contract. The bank signed a loan contract with the borrower.

6. Loan issuance. Banks should issue loans on time in accordance with the provisions of the loan contract.

7. Post-loan inspection. Banks should track, investigate and inspect the borrower's performance of the loan contract and the borrower's operation.

8. Repay the loan. After the loan expires, the borrower shall repay the loan principal and interest in full and on time. If you need an extension, you should apply to the bank for an extension before the loan expires. Whether to extend the loan should be decided by the bank.

What should I pay attention to when lending?

1. Loan amount:

When applying for a loan, the amount applied cannot be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, the borrower should apply for a loan amount according to his repayment ability, so as to avoid 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. Loan purpose:

When filling in the loan purpose, the borrower should fill in the loan purpose honestly and clearly, so that it is easier to get approval.

How to get extra money from student loans?

After the student loan funds pay the tuition and accommodation fees of the students in the current year, the remaining funds are directly distributed to the exclusive Alipay account generated when the students apply for loans. For this fund, students can use it for themselves, for example, as living expenses. As long as you bind the bank card under your personal name to Alipay, then you can withdraw the money to the bank card for use.

The operation steps are as follows:

Step 1: Log in to Alipay APP (login name is. Mail format in cdb@sina.cn);

Step 2: Click "My" in the menu bar;

Step 3: Click to enter "Balance";

Step 4: Click the "Withdraw Cash" option at the lower left of "Total Amount";

Step 5: Select the withdrawal bank card, enter the withdrawal amount, and click the "Confirm Withdrawal" button, which is usually expected to arrive within two hours.

Of course, if the funds issued by student loans are only enough to pay tuition and accommodation fees, there will be no remaining funds to use. Without the remaining funds, students can't withdraw the student loan funds specially used to pay tuition fees for their own consumption.

Can I withdraw the money my husband borrowed from the credit union?

Of course. If the loan you applied for in the credit union is approved, you need to open a bank card in the credit union. After the bank teller issues your loan to your bank card, you can handle your loan through the bank counter or ATM machine. However, the amount of money withdrawn through ATM every day cannot exceed 20,000 yuan.

China Agricultural Bank applied for online loan. How can we get the money out?

Withdraw cash to the bank card. If there is a loan amount, you can withdraw money directly to the bank card.

Specific content:

1. Online lending refers to the small consumer loans granted by Agricultural Bank of China to individual customers of Agricultural Bank of China who meet certain conditions by way of credit, and the customers apply, automatically approve and use the credit independently. It is a "pure online, full self-help" credit product.

2. Loan targets: individual housing loan customers of Agricultural Bank, customers who pay housing provident fund on time and customers who pay social insurance on time.

3. Loan amount: up to 300,000 yuan.

4. Loan term: 1 year.

5. Repayment method: repay the interest and principal at one time.

6. Loan interest rate: The lowest interest rate is only 10% higher than the benchmark interest rate.

7. Check whether you have a loan line. Log in to the online bank of Agricultural Bank of China, enter the "Personal Loan-Online Loan" menu, and click "Apply Now" to apply directly.

Extended data:

(A), the loan channel

(1), traditional loans (also known as offline loans, refer to submitting loan applications through banks in real life, etc. )

(2) Online lending (also called online lending, which refers to online submission of loan applications) is a P2P financial loan.

The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away, and there is no fixed investment group in Internet finance, which can effectively solve the security of platform operation and protect the interests of investors.

(3) Mobile loan (refers to submitting a loan application through the mobile loan app, which is flexible and convenient anytime and anywhere).

(ii) Basic provisions on loans

(1). Loan target:/kloc-China citizens aged 0/8 to 60 with full civil capacity.

(2) Loan amount: After the borrower provides the pledge, mortgage, third-party guarantee recognized by CCB or has certain credit qualification, the bank will verify the borrower's corresponding pledge amount, mortgage amount, guarantee amount or credit amount. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The credit line and guarantee line are determined according to the borrower's credit rating.

(3) Guarantee method: mortgage, pledge, third-party guarantee or credit granted by CCB.

Source: Baidu Encyclopedia-Loan