Loans are issued through third-party accounts, mainly to ensure the use of funds. The purpose of bank transfer to a third-party account is to ensure that the lender's loan purpose needs to be clear, to ensure the compliance of the source of funds, and to ensure that the funds are earmarked. And ensure the follow-up, if the bank finds that after the loan is issued, the lender uses the money in an inappropriate place, and the lending institution is also convenient to trace the flow of funds.
Generally speaking, mortgage loan, commercial mortgage loan, etc. They are all special loans. Banks lend money to third-party accounts, on the one hand, to monitor the flow of funds, on the other hand, to reduce the risk of subsequent loans. If the lender is worried about security, he can find a formal and reliable third-party platform and provide himself with a third-party account.
Why should the loan be transferred to a third party?
Loans should be transferred to a third party, and the reason why loans in banks should be transferred to third-party accounts is mainly to prevent loans from being abused.
When a bank lends a loan, it needs the lender to provide the loan purpose certificate before it can issue the loan money. However, the premise of issuing the loan money is that the lender submits the loan purpose certificate, and the bank cannot get the loan purpose certificate from the lender when lending, so it cannot transfer the loan to the lender's account. At this time, you need a bridge account, that is, a third-party account, to transfer the money to a third party, and then the third party will transfer the money to the lender. It is suggested that lenders must choose trustworthy people when looking for third-party transitional accounts.
The purpose of lending a mortgage to a third-party account is to prove the use of the loan funds. A mortgage depends on the purpose of your loan. Personal consumption is generally buying a house, a car, decoration, etc. These are all accounts to the third party, that is, the seller's account.
Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Loan principle
The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."
1, loan security is the primary problem faced by commercial banks;
2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;
3. Efficiency is the basis of sustainable operation of banks.
For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.
Repayment method
(1) Equal principal and interest repayment method: equal repayment every month, the sum of loan principal and interest. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;
(2) average capital repayment method: that is, the borrower distributes the loan amount to each period (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.
(5) prepayment of all loans: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.
(6) Pay back as you borrow: interest is calculated on a daily basis after borrowing, and interest is calculated on a daily basis. You can pay the money in one lump sum at any time without any penalty.
Why is a bank loan a third-party private account?
Bank loan funds are transferred to third-party private accounts, mainly to prevent loan funds from flowing into other fields such as the stock market, which is equivalent to playing a regulatory role. As long as the user uses the loan funds according to the regulations, it has no influence on the user's approval of bank loans to third-party private accounts. Moreover, bank loans have a prescribed process, and some loans must be approved to a third-party private account.
For example, the operating mortgage loan, after the loan is successful, the funds will be approved to the supplier's private account.
Why do bank loans need money to be transferred to third-party accounts?
Bank loans need to be transferred to the account of a third party because the loan must be paid and transferred by a third party, which is the regulation of the banking supervision department.
The purpose of lending a mortgage to a third-party account is to prove the use of the loan funds. Housing mortgage depends on the purpose of the loan, and personal consumption is generally buying a house, buying a car and decorating. These are all accounts to the third party, that is, the seller's account. Personal business loans should also be paid to the company account of a third party.
First, strictly manage the flow of loans, but it does not affect borrowing.
The new personal loan method stipulates that personal loans such as decoration and building materials can be paid independently, but the lender must reach an agreement with the bank and report the purpose of the loan on schedule. The new method also stipulates that individual industrial and commercial households can apply for business loans of less than 500,000 yuan or pay independently through personal loans, but there are many restrictions.
For the management of loan purposes, banks have their own "ingenious ways". For example, for the decoration loan business that can be paid independently, Shanghai Pudong Development Bank implements comprehensive credit. If the borrower can get a loan of up to 300,000 yuan, the bank will give the borrower a credit line of 300,000 yuan, and the borrower can use the loan in stages according to the renovation process.
Two, the individual industrial and commercial households operating loans of less than 500 thousand yuan.
Its use is more strictly tracked. The follow-up management implemented by Shanghai Pudong Development Bank is to look at the flow of funds, the vouchers after payment, and report regularly according to the contract. Once it is found that it is inconsistent with the specified loan purpose, it will be required to recover the loan. "The borrower is not using its own funds, but credit funds. From the perspective of risk prevention, reasonable supervision is necessary.
Personal business loans are mainly entrepreneurial loans or small business loans, and entrepreneurial variables are large. Will such strict loan management affect self-employment? Insiders pointed out that if you really need to change the purpose of the loan, you can repay it in advance, terminate the original contract, and then go through the application review procedures again, so that the loan will not be taken out and your business will not be affected.