The user did not use it according to the prescribed standards.
After the loan was received, the funds could not be used because the user did not use it according to the prescribed standards. Moreover, the loan funds are not used by the designated merchants, which makes it impossible to use them. In order to ensure that the loan funds are used in accordance with the regulations and the purpose of the loan is clear, or various use regulations and channels are set up.
For banks with strict capital management, borrowers need to indicate the purpose of loans when applying for loans. This requirement of financial institutions is mainly to prevent funds from flowing into unknown markets or illegal market transactions. For the loan applicants of financial institutions that implement this management, they must meet the established loan purposes and cannot misappropriate them.
Although there are no strict regulations on the use of small loans, this part of the loan funds can be paid by the loan applicant independently, but it must also meet the prescribed purposes. Banks have clear management on the use of funds after the loan is issued, and the application, examination and approval of the loan must clearly meet the purpose of the loan.
After the user successfully applies for the loan business, if the loan funds applied by the user have a specified purpose, then the user must use them according to the specified purpose. At the same time, users should also ensure that the loan funds arrive, and they cannot use them without the loan funds.
The loan has arrived, why can't you get it out?
The loan has arrived, but the user can't withdraw it, which means that the loan funds can only be used in the designated merchants and can't be withdrawn. In case of the above situation, users can swipe their credit cards (debit cards) at designated merchants, and the loan funds can be used normally. Or the user's loan funds are allowed to be withdrawn, then it is necessary to check whether the bank card status is abnormal, whether the bank card is locked or lost, etc. , it will cause the bank card to be unable to withdraw cash.
After the user's loan funds arrive, the user needs to use the loan funds in accordance with the regulations. If it is stipulated that loan funds cannot be withdrawn, users use illegal means to withdraw cash. Once monitored by the bank, the bank may require the user to pay off all the arrears in one lump sum. As for the loan funds can be withdrawn, the status of the bank card is abnormal, and the problem of the bank card must be solved to restore the use of the bank card, so as to withdraw cash.
The loan funds have arrived in the account. No matter whether the user uses the funds or not, he must repay according to the repayment plan, otherwise it will be regarded as overdue.
Why can't BOC e-loan be used after it has been repaid?
Bank of China e-loan cannot be used because there is something wrong with the lender's bank account. Bank of China e-loan is directly credited to the lender's savings account, and the lender can withdraw the money directly or transfer the money out by transfer. Generally speaking, if the account is ok, the use of the loan will not be affected.
Lenders can consult the customer service of relevant banks to see if their bank cards are restricted and take the initiative to solve the problem. Of course, after the loan is issued, remember to repay it on time to avoid bad loan records on the credit report.
Why can't the student loan be used when it arrives?
Student loans can't be used immediately when they arrive. The reason why the student loan can't be used is because the student loan itself is used to pay the tuition, fees and accommodation expenses of the borrowing students during their study. Borrowing students naturally have no way to extract it for their own consumption.
When the student loan funds are distributed to the borrower's exclusive Alipay account, they are generally locked in order to prevent the borrower from withdrawing cash. Alipay system generally transfers the money to the designated account of the school immediately after it arrives, and the school will refund the overcharged fees after deducting the corresponding tuition fees.
At that time, the extra money can be used by themselves, and the borrowing students can withdraw it to the bank card bound by Alipay for living expenses.
Matters needing attention in repaying student loans in advance
1. Before prepayment, everyone should carefully check their repayment amount to avoid insufficient repayment ability.
2. An important step of prepayment is to submit an application for prepayment. At present, applications can be submitted from June 1 day to June 10 and February 10 every year through the student online service system or the local county-level financial aid center.
3. If part of the loan is repaid in advance, the repayment principal must be greater than that of 500 yuan and be an integer multiple of 100 yuan.
4. The original repayment account is the prepayment account by default. If you need to change, you should submit a change application through the student online service system.