2. The deposit is usually deposited in the special account opened by the borrower or guarantee enterprise in the bank. The ownership of the money belongs to the borrower, but the borrower cannot use it. Only when the corresponding loan is returned on time can this deposit be returned to the provider.
3. Customers who need to pay the deposit for bank micro-loans are usually customers with insufficient collateral value, and the mortgaged items have not gone through formal mortgage procedures. They are guaranteed by a third-party guarantee company, and after paying a certain deposit, they can get a loan from the bank. At the same time, after all the loan principal and interest are settled, the deposit shall be returned to the borrower.
At present, state-owned commercial banks basically don't charge borrowers for loan deposits, but take the form of third-party guarantees. The advance payment of loan deposit by banks has played a certain role in ensuring the safety of funds and urging borrowers to repay, but it violates the national policy. Paragraph 2 of article 18 of China's general principles of loans stipulates that "the borrower has the right to withdraw and use all the loans in accordance with the contract." If financial institutions implement the loan pre-deposit system, resulting in a decrease in the total amount of loans actually obtained by borrowers, which can not meet the urgent needs of borrowers for funds, it is an infringement on the legitimate rights of debtors.
To sum up, the deposit should be paid after the third-party guarantee company signs the contract. The bank will not directly charge the deposit you paid, but deduct it from the total amount of loans issued.