According to the requirements of the "Three Laws and One Guidance" of the CBRC, personal loans exceeding 300,000 yuan must be entrusted to the counterparty account; If the amount below 300,000 yuan meets the requirements, it can be paid independently, that is, transferred to the borrower's personal account. Depends on the amount of his loan. You may be talking about entrusted payment, and the amount is more than 300 thousand. Banks will make the above requirements in order to avoid that their counterparties are not related parties. It is impossible to use only one copy as the subject of applying for a loan.
In addition, the "lender" refers to the bank, and the person who borrows money from the bank is the "borrower"
2. What are the requirements for applying for a third-party lending platform?
Loans generally need a stable source of income to be processed, but they also need to look at the specific requirements of banks. It is suggested that you can go to a regular lending institution for detailed inquiry.
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Other conditions required by the bank.
3. How to issue a repayment certificate when applying for a loan in a third party?
All these can be applied at the local bank.
Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
3. Have a stable source of income;
4. Without a bad credit record, the loan cannot be used for stock trading or gambling.
5. Bank requirements
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare the required loans
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
4. How do third-party lending institutions apply?
Methods of applying for a third-party lending institution: first, the parties apply for a loan from a lending institution and submit relevant certification materials; Then the lending institution conducts an investigation; If the inspection is qualified, a written loan contract shall be signed with the parties concerned; Finally, the loan will be paid to the parties in time. Legal Basis Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Article 13 After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion. Article 23 A lender shall sign a written loan contract with the borrower, and a guarantee contract shall be signed at the same time if a guarantee is needed. The lender shall require the borrower to sign the loan contract and other relevant documents in person, except for loans handled through electronic banking channels. Article 28 After the loan contract comes into effect, the lender shall issue the loan in time as agreed in the contract.