Loan deposit is a kind of fee charged by banks in violation of regulations, which cannot be supported by law. It belongs to arbitrary charges and can be reported to the CBRC!
Second, what happened to the loan deposit?
Loan deposit refers to the behavior that a financial institution collects a certain amount of money from the borrower in advance according to a certain proportion of the loan amount before the loan is issued, and pays this part of the deposit before the loan is issued. When issuing loans, banks often require borrowing enterprises or guarantee enterprises to provide a certain amount of deposit, ranging from 5% to 20%. The deposit is usually deposited in a special account opened by the borrowing enterprise or the guarantee enterprise in the bank. Money belongs to enterprises, but enterprises can't use it. Only when the corresponding loan is repaid on time can the deposit be returned to the provider, and the bank sometimes pays the corresponding deposit interest at the same time. The loan deposit refund process is that after the user pays off all the mortgages, he goes to the bank to go through the relevant formalities, and then the bank returns the money to the developer, who returns it to the user within a certain period of time after receiving the money. Users only need to bring relevant documents to get it. If the lender fails to repay the principal and interest on time as agreed in the contract within the specified time, the developer will pay the corresponding amount, and the bank will directly deduct the loan deposit from the deposit account. Notes on loan: 1. The information provided to the bank should be true, the address and contact information provided should be accurate, and the bank should be informed in time when changes occur; 2. The loan purpose should be legal and compliant, and the transaction background should be true; 3. According to your repayment ability and future income expectations, choose the repayment method that suits you; 4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income; 5. Read the terms of the contract carefully and understand your rights and obligations; 6. Repay on time to avoid bad credit records; 7. communicate with the bank one month in advance to apply for early repayment. Margin refers to all kinds of deposits deposited in banks and other financial institutions. The types of deposit include deposit, prepayment deposit, lease deposit, decoration deposit, deposit, deposit with the right of return, and deposit with unparalleled return effect.
3. What is a loan deposit?
Once he left, he was taken away by the intermediary.
4. What is the use of the deposit for payment?
To understand the role of loan deposits, I first understand what loan deposits are. Loan deposit refers to the funds retained by the borrower or the borrower and the borrower in the other party or the third party. Its main purpose is to ensure the better performance of the loan contract, which has a certain binding effect. There are two popular forms of deposit in real economic life: one is the deposit that the parties to a contract ask the other party to provide in order to ensure the realization of their creditor's rights. Another form of deposit is the deposit paid by both parties to a third party (usually a notary office) recognized by * * * to ensure the performance of their respective obligations when the contract is established.