Personal loan payment voucher is a bill settled by a bank in this city, and it is a bill entrusted by its own bank to pay the other party from its own account, so it is credited. This is the opposite of a check. A check is a check from another company. You give it to the counter of your bank, fill out the bill and entrust your bank to collect money from the other bank's account. The bill is handed over to the bank by the payee.

1. What are the requirements for a personal loan of 65438+ 10,000 yuan?

Personal loan100000 yuan, you can apply for small loans in major banks, or you can apply for corresponding loan quotas in some lending institutions. It is not troublesome to apply, but some conditions need to be met, such as the age must be above 18, the lender has no bad credit record, has full capacity, and the income can cover the payable amount. Loan100000 is not a small amount. Try to choose a more formal institution to avoid choosing a bad platform to increase your repayment pressure.

Second, the loan matters needing attention

1. Apply for the loan amount according to your own ability.

When applying for personal housing loans, borrowers should make correct judgments on their current economic strength and repayment ability, and at the same time make correct and objective predictions on their future income and expenditure.

2. Choose a good loan bank for mortgage.

For borrowers, they can choose their own loan banks to buy existing houses or second-hand houses. The more services provided by mortgage banks, the more detailed they are. You will get flexible and diverse personal financial services and a rich portfolio of services and products. From the perspective of citizens, there is no doubt that the more choices citizens have, the better.

3. Choose the repayment method that suits you best.

At present, there are basically two ways to repay personal housing loans: one is equal repayment, and the other is equal principal repayment. The advantage of equal repayment method is that the borrower can accurately grasp the monthly repayment amount and arrange the family's income and expenditure in a planned way. Average capital's repayment method is more suitable for individuals who have strong repayment ability at the initial stage of repayment and want to pay a large amount at the initial stage of repayment to reduce interest expenses.

The information provided to the bank should be true.

To apply for commercial personal housing loans, banks generally require borrowers to provide proof of economic income. For individuals, the true personal occupation, position and recent economic income should be provided. Because if your income doesn't reach a certain level and you don't have enough ability to repay the loan, but you exaggerate your income level, you may default at the initial stage of repayment, and it is confirmed by the bank investigation that you have provided false certificates, which will greatly reduce the bank's trust in you and thus affect your loan application.

5. Provide my address accurately and timely.

If the address provided by the borrower to the bank is accurate, the bank can contact it conveniently and receive the repayment notice from the bank on time every month. When the People's Bank of China adjusts the loan interest rate, you can receive the interest rate adjustment notice from the bank at the beginning of the year. In addition, it is especially important to remind borrowers that when you move to a new house, you must inform the loan bank of your new contact address and contact information in time.

6. Repay on time every month to avoid penalty interest.

For borrowers, before the agreed repayment date every month, they should pay attention to whether there are enough funds in their repayment accounts to avoid being punished by the bank for their negligence, and never lose money because of their negligence, and at the same time leave a bad credit record in the bank.