1. Mr XX of the Postal Savings Bank, the current balance of your savings account with the number of 7 12 1 at 8: 00 on February 25th is 15 12.99 yuan, and the principal and interest of personal second-hand housing loan will be deducted on February 28th. Please pay 16 on February 28th. If the People's Bank of China adjusts the loan interest rate, the actual deduction will be adjusted accordingly. Please contact 95580 for details. Thank you for your understanding and support!
2. Dear customer of China Bank, your mortgage repayment amount this month is 16 16.54 yuan, and the maturity date is 0 1. If the balance of your repayment account is insufficient, please deposit it into China Bank in time.
Extended data:
Bank card withholding means that the customer and the company agree to automatically pay the communication fee by withholding the designated bank card. Customers only need to sign a contract at the counter of the company's business hall and bind the bank card to open the business. After signing the contract successfully, the system sends a debit instruction to the bank card centralized debit platform, and the bank card debit platform deducts the bank card bound to the customer to complete the payment.
The deduction rule is to deduct the sales of enterprises. In the transfer settlement business, when individual enterprises are unable to repay all kinds of money due to lack of funds, it should be stipulated in the State Council that the sales income of enterprises should first reserve the monthly salary and the major repair fund. After withholding the last two funds, if the enterprise cannot pay taxes, profits, loans and payments at the same time, it can deduct the funds in the following order:
① Taxes payable; (2) repayment of bank loans; (3) Reimbursement to other units; (4) hand in profits, depreciation funds and other income. The order of deduction correctly handles the relationship between the state, enterprises and individuals.
In order to avoid mortgage risks, general banks need borrowers to provide guarantee certificates from legal persons, other economic organizations or natural persons with sufficient compensation capacity. If you can find friends or relatives who are willing to provide guarantees and have financial strength, they can issue written documents and credit certificates for the bank. If not, you need to go to a professional guarantee company to provide guarantee. The fee paid at this time is the mortgage guarantee fee.
Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of ordinary housing for personal use. The borrower must provide a guarantee when applying for a personal housing loan. Personal housing loans mainly include entrusted loans, self-operated loans and portfolio loans. entrusted loan
Personal housing entrusted loan refers to the loan issued by the bank to individuals who purchase ordinary housing as required, and the source of funds is housing provident fund deposits. Also known as provident fund loans.
How to apply for a bank loan
First of all, the borrower should apply to the bank outlet for opening. When applying, the borrower should bring his ID card and other relevant information, and if he is a merchant, he should also bring his business license.
Second, after receiving the lender's application, the bank will investigate the lender. The bank mainly examines the lender's personal credit status and personal income status to determine whether to lend.
Third, after investigation and approval by the bank, sign a loan contract with the bank.
Please click to enter the picture description (maximum 18 words).
People's Republic of China (PRC) Commercial Bank Law
Article 35 A commercial bank shall strictly examine the borrower's loan purpose, repayment ability and repayment method.
Commercial bank loans shall be subject to the system of separating loan review from grading approval.
Article 36 When a commercial bank issues a loan, the borrower shall provide a guarantee. Commercial banks should strictly examine the repayment ability of guarantors, the ownership and value of collateral, and the feasibility of realizing collateral.
After examination and evaluation by a commercial bank, it is confirmed that the borrower has a good credit standing and can repay the loan, and no guarantee may be provided.
Article 37 A commercial bank shall sign a written contract with the borrower when granting loans. The contract shall stipulate the type, purpose, amount, interest rate, repayment period, repayment method, liability for breach of contract and other matters that both parties think need to be agreed.
Article 38 A commercial bank shall determine the loan interest rate according to the upper and lower limits of the loan interest rate stipulated by the People's Bank of China.
There are several ways for bank loans.
Hello, there are many ways to get loans from banks, such as credit loans, commercial loans and mortgage loans. You can choose the appropriate loan method according to your own needs and conditions. At present, there are many platforms on the Internet to borrow money. I suggest you pay attention to two factors when choosing. First, choose a trustworthy brand; Second, we should pay attention to the clarity and transparency of loan products and services, such as loanable amount, loan interest rate, repayment time and repayment method. Only by choosing reliable loan products can you meet your urgent need for money and ensure that your personal interests are not infringed.
MoneySpend, a credit brand owned by Xiaoman Finance, is recommended to provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click official calculation). The daily interest rate of money-consuming loans is as low as 0.02%, which has the characteristics of simple application, low interest rate, fast loan, flexible repayment, transparent interest expenditure and strong security.
The application conditions for sharing rich consumer products with you are mainly divided into two parts: age requirements and information requirements.
1. Age requirement: 18-55 years old. Special note: Money-rich flowers refuse to provide consumer installment loans to students at school. If you are a student at school, please give up the application.
2. Information requirements: You need to provide your second-generation ID card and my debit card during the application process.
Note: The application only supports debit cards and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID card or first-generation ID card.
(Insert picture)
This answer is provided by You Huahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual calculation method of interest expenses of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan page shall prevail. I hope this answer is helpful to you.
Can I answer the bank loan phone? Teach you to correctly identify loan preferential information!
With the disclosure of personal information becoming more and more serious, most people will receive several sales calls every day, including shopping, buying a house, getting a card, financing, loans and other types. I don't know if you have found them except some telephones, but the number of telephone sales in banks is increasing gradually. I actually received "We are a bank, do you need a loan?" Do you want to listen carefully to this type of call? Are the credit products advertised really favorable?
According to the survey, it is difficult to identify this kind of phone that claims to be a bank loan, because many "number changing artifacts" can modify any number now, so it is impossible to judge whether it is really a bank phone only from 400 or 955. When you receive a similar call, you must first remind yourself not to believe what the other party says easily.
In addition, the first sentence of many salesmen is "I am an employee of the bank loan department, and I have a low-interest credit loan with an annualized interest rate of about 6%." Are you interested? " Many people think that if they are employees of a bank, they will be guaranteed since they have signed a contract with the bank and paid the fees to the bank.
In fact, if you remember the other party's work number, hang up and ask the bank for verification, the result may not be what you think. It is possible that the other party is not an employee of the bank, but an employee of the cooperative organization, and the products promoted are not from the bank. It should be to promote the loan products of other institutions under the banner of the Bank.
Banks will cooperate with many third-party institutions, such as loans, wealth management, insurance and stock funds. Because they are authorized to a third party, there is no way to monitor them so strictly in some aspects. It is possible that some institutions will promote it under the banner of banks.
Therefore, I suggest that you don't rule out calling or selling other companies' products under the banner of banks. If there is a real loan demand, it is recommended that you go directly to the bank outlets to handle it. Remember, more than 90% people who have to pay before the loan are liars.