For example, credit card repayment, loan, etc. What you mentioned is also illegal use. After the spot check, the bank will ask you to settle the loan in advance to avoid the return of funds. The best way to avoid illegal use is to make an appointment for one-time cash withdrawal, no matter who the loan money goes to. If you deposit it in another bank and don't deposit it back, it can be avoided perfectly.
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Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.
Basic definition, editing and broadcasting
Bank loan refers to an economic behavior that an individual or enterprise issues a loan to a bank at a certain interest rate according to the national policy of the bank and returns it within the agreed time limit.
Editing and broadcasting of loan skills
Now more and more post-80s and post-90s loans buy houses and cars. For a time, the loan business provided by banks has become the "new darling" of the times. However, it is still a bit difficult to get a loan successfully in a bank, and it is even more difficult to get a loan at a certain time. Here are some tips for successful loans, hoping to help more people get successful loans.
1. Reasons for borrowing: In the process of applying for a loan, the borrower should be frank and clear, and write down the purpose of the loan and the advantages of personal repayment in detail. Such as a good personal credit record.
2. Loan amount: The loan amount applied by the borrower in the bank should not be too high, because the larger the amount, the higher the possibility of failure. However, this is not what lenders want. Of course, they don't want their loan funds to see the movement of lending within half a month. If the loan amount applied by the lender is large, I suggest you reduce the loan amount appropriately, so the hope of passing the bank audit will be greatly increased.
3. Loan Description: Fill in the application materials, loan purpose, personal credit record, income source, repayment ability and family income in detail. Make sure that your loan can be repaid on time no matter when, where or how.
4. Loan repayment: After a successful loan application, the borrower must repay the loan within the specified time. Don't take chances and delay the repayment time, thus causing a bad personal credit record. In addition, the relevant departments will try their best to recover the loans in arrears.
Editing and broadcasting of loan characteristics in Hong Kong
When accepting bank loan applications, branches of Hong Kong-funded banks in Chinese mainland can issue RMB loans or Hong Kong dollar loans according to the needs of loan applications;
1. The annual interest rate of RMB loans shall not exceed 3% of the benchmark interest rate set by the central bank. According to the current situation, it is generally floating, which can reach the annual loan interest rate of 7% to 9%. The term of RMB loans shall be determined by commercial banks according to the risk control requirements.
2. The annual interest rate of Hong Kong dollar loans shall be determined by the bank according to the regulations of Hong Kong. The annual loan interest rate is between 3% and 4%, and the loan interest rate is half lower than the RMB loan interest rate;
The difference between Hong Kong dollar loans and RMB loans, calculated with the same loan value of RMB 6,543,800+0,000, can save 30,000-40,000 yuan of bank loan interest a year, which is a good choice for entrepreneurs.
Editing and broadcasting of loan classification
bank loan
(Bank loan)
According to different classification standards, there are many types of bank loans. For example:
bank loan
bank loan
1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
3. According to the different purposes or objects of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;
4. According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
5. According to the loan scale, it can be divided into wholesale loans and retail loans;
6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
short-term loan
Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation.
The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.
The loan interest rate is determined according to the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, according to the nature, currency, use, method, term and risk of the loan, among which the foreign exchange loan interest rate is divided into floating interest rate and fixed interest rate. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.
The advantages of short-term loans are relatively low interest rates and relatively stable capital supply and repayment. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.
Editorial broadcast of guarantee company
Design a suitable loan scheme, strive for preferential loan interest rates, and speed up the progress of loan processing.
Provide professional evaluation guarantee services.
Many investment guarantee companies have gained the full trust of banks in the standardized and efficient operation of post-loan management and loan risk resolution. Some cooperative banks outsource post-loan collection and loan asset disposal to guarantee companies, and the cooperation effect between the two parties is good.
Editing and broadcasting of application conditions
Borrower's requirements
1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year.
The seller shall provide materials.
1. Husband and wife's ID card, household registration book and marriage certificate (marriage certificate or single certificate)
2. Real estate license
exceptional case
Information for foreigners to buy a house:
Taiwan Province Provincial People-Mainland Travel Pass (Taiwan Compatriot Certificate), household registration vine (which can prove marital status), approval form for purchasing houses in Beijing, and mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration).
Hong Kong people-Hong Kong identity card, marriage certificate, mortgage notarized certificate (entrusted to handle the later house ownership certificate and mortgage registration)-Koreans-notarized translation of China passport, notarized translation of Chinese name, notarized translation of household registration book (which can prove marital status) and notarized mortgage notarized certificate (entrusted to handle the later house ownership certificate and mortgage registration).
Other nationalities-notarization of Chinese translation of passport, Chinese translation of name, Chinese translation of marriage certificate, notarization of mortgage (entrusted to handle the registration of house ownership and mortgage in the later period).
The seller shall provide the enterprise with the following information:
Legal person's ID card, original and photocopy of business license, organization code certificate, resolution of selling board of directors, articles of association, power of attorney, trustee's ID card, proof of collection account (the above materials must be stamped with official seal) and real estate license.