When you apply for a large loan from a bank, sometimes the bank will pay the money directly to your counterparty instead of paying you. This can reduce risks for banks, but it may not be a good thing for you. So what can be done to avoid entrusted payment by banks? Entrusted payment sometimes increases the risk of borrowers, because the funds cannot be operated in batches, and the budget balance may be swallowed up by cooperative merchants. Therefore, many borrowers apply for large loans, hoping to avoid the entrusted payment of banks and change from "entrusted payment" to "independent payment". So what methods can you try? Generally speaking, banks will start entrusted payment when the approved funds exceed 300,000 yuan to ensure the safety of large loans. At this time, if you want the bank to "untie" the funds, and the borrower with a capital demand of just 300,000 yuan can consider using the difference of 1 yuan to make a perfect withdrawal, so that the bank can remit the loan funds of 299,999 yuan to your personal account without complaint. Guarantee companies that allow guarantee companies to operate diversified businesses can always cover the fragmentation needs of customers and solve various intractable diseases. In the eyes of ordinary people, it will be difficult to change a large sum of money of more than 300,000 yuan from "entrusted payment" to "independent payment", but it is only a trivial matter in the eyes of guarantee companies. The guarantee company that pursues win-win cooperation needs to charge a service fee of about 2% of the loan amount. If the loan is 6,543,800 yuan, the service fee is about 6,000 yuan. The relaxation of the application conditions for private lending can not only accept many people with worrying qualifications, but also pay attention to simplifying the complex and putting users first. Usually, funds under10 million can be directly transferred to the customer's own account. For users who can't get loans from banks, it can be said that it is a good place to kill two birds with one stone.