Confirmation of loan amount
First of all, a loan of 5, yuan and a bank loan of 9, yuan indicate that your credit is very good or your relationship is good; Furthermore, banks have credit tasks. But in short, make sure it is enough, and then consider what to do: once it is used; Two only charge 5 thousand, and the others don't move, just two ways.
investment in value preservation and appreciation
has been used, how to use it? First of all, we must communicate with the bank about whether there is any risk in interest, repayment time and extra release, because for loans, the interest rate is not low. After all, the difference between bank deposits and loans is the bank's profit. People don't do business at a loss, so don't return to poverty because of this. The second step is to make plans, which is the most important point. There are many people who get carried away with the situation of being rich for a while, so we should sort it out carefully, which will help our business work, otherwise it will be a mess in the end. The next step is the way to make money. Now that the loan application has been made, it shows that there is a clear direction. Then it might as well straighten out the orientation of the existing direction, how to do it, how to do it, what resources to use, what may be lacking, whether there are solutions, etc., and plan ahead. In this case, there will be no pressure to repay the loan.
Not much investment
Put the amount in the account, do not withdraw it, and only use the original amount. This is more in line with one's own psychology, with a normal mind and an attitude of achievement, to maintain one's stability, because the overall environment has long been cautious in investing as much as possible, and to prevent rash advance. In today's era of rapid information development, many traditional businesses have been knocked to pieces, and many entrepreneurs have suffered a blow. In fact, it also stems from the failure to adjust the thinking and management methods of the new era and new economy in time. Calm down and think about it, it's not like this in some parts, why are some still popular? Besides, in this society, as long as you do something from the heart, you will earn money. It was not difficult to find a job more than ten years ago!
to sum up, I don't want to be aggressive or greedy. If I do it with a plan and a direction, I will definitely get something.
that's all for today. thank you for reading.
I'm in the loan business. Based on years of industry experience, this situation is not uncommon. In this case, no matter whether you are doing credit or mortgage loan, first of all, congratulations to the subject, your qualifications must be very good, your credit information is clean, you have a stable source of repayment, and there is no insolvency.
first of all, credit. Credit, as the name implies, is a credit loan. Whether it is a bank, a consumer finance company or P2P, you only need to provide your personal credit report and work certificate, the source of repayment, and you don't need any collateral or any guarantee to make a successful loan. However, the amount of credit is not high. P2P and consumer finance have a maximum of 2,, and the bank's quota will be higher, generally not exceeding 5,. Unless it is an enterprise as a legal person doing credit, the situation you mentioned can occur, and more than 5, yuan can be approved, but there will be no such situation as you said, the application for 5, yuan will reach 9, yuan. Because after the bank has approved the quota, the actual amount received needs to be signed and confirmed by the customer, and it is impossible to make mistakes.
another situation is mortgage loan. It's normal for you. Many banks have products that can be borrowed and returned at the same time. For example, if you apply for a mortgage with a property of 2 million yuan, according to the current market situation, the amount that banks can give is about 6% of the value of the house, that is, 1.2 million yuan. As long as the application for this product is passed, it may be full, and the salesman will generally give you more application points. After all, the quota is linked to performance. But although the money is in your account, it doesn't mean you can spend it casually. The interest of this product is calculated according to the amount of money you spend, not the amount you receive. Therefore, there are 9, in the account, so don't worry about it. How many meters are there in the pot, how much is needed, and what you can do. You can use the part you haven't mentioned at any time, but you don't need to pay a penny of interest before you move it. Remember yo
This situation is a small probability event. Generally speaking, the probability of it happening is small. If the bank hasn't informed you to deal with it the next day, you'd better take the initiative to contact the bank to see what the reason is and then decide how to deal with it.
If there is nothing wrong with the speculation, there are nothing more than the following situations:
For bank lending, there must be a corresponding guarantee method now, and 9, yuan will be released after applying for 5, yuan. If the corresponding guarantee situation is
1, the loan amount that can be mortgaged by the secured assets is far greater than 9, yuan. In this case, if you are willing to accept a loan of 9, yuan, after being confirmed by the bank, you will repay the principal and interest with a limit of 9, yuan until the loan expires.
from the internal situation of the bank, it is certain that the number of "loan amount" must be included in the loan information of a "single approval" in many places. If all their information is compiled with a quota of 9,, then you are willing to accept the loan, and everyone is happy-the handling personnel do not need to make any changes afterwards.
if 5, yuan is declared in the approval document, but 9, yuan is wrongly entered in the loan receipt, the bank will undoubtedly ask you to take corresponding measures: recover the original 9, yuan and reissue a 5, yuan, and they must bear the interest themselves (otherwise their loan information will be inconsistent).
2. The guaranteed assets can only correspond to the loan amount of 5, yuan. No matter how troublesome the bank is, they must correct the total loan amount. As for whether to let you return 4, yuan or fully recover the 9, yuan that has been issued and reissue it, it is up to the bank's handling personnel to handle it.
At present, many banks advise customers to make a relatively long-term "line of credit", which means that within a fixed period (usually 2-5 years), according to the guarantees, mortgages and personal comprehensive economic situation provided by you, the banks will assess you as a "maximum loanable amount" according to their own standards, and you can freely borrow as long as the "outstanding total amount" does not exceed this maximum amount in the future.
If this is the case, congratulations, your quota is almost equivalent to a passbook, and you can borrow as you need it.
It should be noted that for a single withdrawal under this line of credit, you should also make it according to the term of a single loan. When using each loan, you should confirm with the bank whether there is a penalty for prepayment. If there is, when using a single withdrawal, you can fill in the term on the receipt as short as possible.
If it is confirmed that 9, yuan has been released to you, then you can return 4, yuan. Tell the bank that "at present, you only need 5, yuan, but you made a mistake. If there is a penalty interest, I will be exempted", and the bank will agree.
I suggest that you only use the 5, you need. Why? First, it is possible that the bank gave you an extra 4, to complete the credit business, which is an affirmation of your good credit. Second, you have to pay back the money from the bank sooner or later. Although you have 9, yuan to use at once, it's very cool. When you have to pay back the money, it's very painful, with a lot of interest and principal. Unless you use it for business turnover, and you are not worried about not paying it back, then you can use it with confidence.
Generally, the interest rate of bank loans is very low. You can borrow so much money only if your conditions are good. Before the loan, the salesman will check with you the amount and purpose of the loan. Maybe there is a mistake in this piece. Some loans are repaid as you borrow them, and the interest will be repaid according to the amount used, so that the extra amount can be used as a reserve fund. Some loans will be repaid with interest according to the loan amount, which should be clearly distinguished. It is best to check with banks or lending institutions.
I've thought about this problem, and I think the subject may have a cognitive misunderstanding.
the subject may be to apply for a loan of 5, yuan, and the 9, yuan released by the bank may be a loan credit line. The loan amount is the highest loanable amount approved by the bank, which is theoretically the highest bank loan credit you can obtain. After the loan amount is obtained, you can use it yourself in this credit range according to your actual use needs. I think this should be the biggest possibility of this matter.
Of course, we can't and can't guarantee that the bank will not make mistakes. However, it can be expected that once banks find business errors, they will quickly correct them. Of course, when you receive more funds than the loan demand, you should take the initiative to get in touch with the bank first and ask about the ins and outs of the matter. You must never take it for granted to use the money rashly and suffer unnecessary troubles.
First of all, let's look at your loan source channel … If the interest rate of the regular channel is low, I suggest that you can take it all, and make some stable financial management, investment or stocks, etc.
The overall market has bottomed out this month, and it is relatively optimistic about the market in 22 next year.
Personal information is for reference only!
the bank must have appraised your personal assets or enterprise assets, and think that you are fully capable or qualified to repay the principal and interest when due. Look at the loan contract carefully and make good use of the funds. If it is true, it will be a good thing. It is not difficult to guarantee credit and refinance. Congratulations!
If there is any problem in communication at that time, you can communicate with the account manager of the bank
to avoid unnecessary interest
If it is a 9w line, it doesn't matter much, just how much interest is generated by the line
The annual interest rate of the bank is low. You can make use of the extra money, buy some funds, the interest rate is good, and you can make a difference. If you invest some,