The personal consumption loan of China Bank can be used for all legitimate personal consumption expenses, but it does not include housing purchase, production and operation, personal expenses without specific purposes, and any purposes prohibited by laws, regulations, regulatory provisions and national policies (including stock and securities investment, etc.). ). For details, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions).
The above contents are for your reference. Please refer to the actual business regulations.
What are the restrictions on the use of loans?
As we all know, the loan audit must verify the purpose of the loan, and the borrower's loan must be used for normal purposes. What are the restrictions on the use of loans?
1, the borrower shall not use the loan to engage in equity investment, unless otherwise stipulated by the state.
2. The borrower shall not use the loan to engage in securities and futures speculation.
3. Except for borrowers who have obtained real estate qualifications according to law, they may not use loans to engage in real estate business; Borrowers who have obtained real estate business qualifications according to law shall not use loans to engage in real estate speculation.
4. The borrower shall not seek illegal income through loans.
After the general loan is issued, the lending institution will pay a return visit to the borrower regularly or irregularly, and infer whether the loan is used normally by monitoring the borrower's capital flow, account transactions, sales contracts, and actual operations.
What is the purpose of the loan?
The compliance purposes of loans are generally divided into these categories: business operation, consumption, decoration, education, wedding, tourism and others. But also need to provide the corresponding invoices, contracts, receipts or other supporting materials.
1. It is forbidden to forge false loan purposes. When filling in the purpose of the loan, we should adhere to the principle of honesty and trustworthiness, truthfully fill in the transaction background and the purpose of the loan, and submitting false materials will be suspected of "defrauding the loan"
2. It is forbidden to borrow money for stock trading, gambling and gambling. Stock trading, gambling, lending and other loan purposes are prohibited by the state, and gambling is obviously risky and harmful, which is very undesirable.
3. It is forbidden to use consumer loans for house purchase and business purposes. Consumer loan is a special loan method, which clearly stipulates that loans can only be used for daily consumption, such as decoration, home appliance purchase, tourism and so on. , but not for real estate speculation or business needs.
Do not fill in the loan purpose casually, but fill it in. Don't cheat and take chances. Once it is discovered, it is necessary not only to recover the loan, but also to investigate the responsibility.
What can't the loan be used for? Remember not to use it illegally!
There are many people who, under the normal use of loans, have not been overdue, repay loans on time, but they will be frozen and reduced inexplicably. What is going on? Maybe the borrower didn't use the loan in the right place, so what can't the loan be used for?
1. What can't the loan be used for?
1, special fund is special
Many loans are clearly stated and can only be used for designated loan purposes, such as tourism, decoration, car purchase, marriage and business operation. In order to prevent borrowers from misappropriating funds, it is often stipulated that they can only handle business in cooperative companies or institutions and apply for loans with relevant documents. The money is directly credited to the account of the cooperative company, and the borrower cannot raise it at will or misappropriate it at will.
Loans cannot be used for these purposes.
Investment and financial management: such as stock trading, funds and bonds. All of these have great risks and uncertainties. In order to control risks, banks require that loans should not be used for these purposes.
Mortgage: the down payment loan that was severely cracked down before belongs to this category, and the loan cannot be used to buy a house or repay the mortgage.
Second, the bank's provisions on the use of loans
For example, the consumer loans of China Everbright Bank have clear regulations. Loan funds can only be used for my daily consumption, not for production and operation, fixed assets investment, equity investment, cash and other non-consumption areas, including house purchase, investment, wealth management, stocks, other equity investment and prohibited areas. 、
The above is what the loan can't be used for. You can read the contract or agreement carefully before lending, and the bank will write down the usage rules clearly and remember to abide by them.
How to write the purpose of the loan
Actually, you can fill it out truthfully. In general, loans are used for consumption, decoration, education, tourism and so on. Take the loan to buy a house as an example, just fill in "consumption", and never fill in a false loan purpose in order to pass the bank's loan review.
In the "Three Measures and One Guidance" implemented by CBRC 20 10, the authenticity of loan use is strictly required. If the bank finds that the actual purpose of the borrower's loan is inconsistent with the application purpose during the later inspection, it can be considered as misappropriation of loan funds, and the bank has the right to stop the remaining loan that the borrower has not yet issued, and to require the lender to repay all the loan principal and interest in advance. The loan interest rate will also rise.
Moreover, in order to prevent the borrower from misappropriating the loan, the CBRC requires that the loan with a certain amount or more must be transferred to the borrower's counterparty account in real time through the entrusted payment of the lender.
As long as your use is legal and not used in illegal industries such as stock trading and gambling, or industries with overcapacity such as real estate and mining, it is good to tell the truth.
Excuse me, what are the rules for the use of personal consumption loans in China Bank?
Provisions of Bank of China on the Use of Personal Consumption Loans:
You should submit the loan materials. The use of funds below the quota shall be handled by the original agency, and the use of funds shall be submitted one by one, and the following materials shall be provided before use:
1. Proof of loan use: invoices, contracts and other relevant supporting materials for purchasing goods; In view of the special circumstances of providing the loan purpose description, the borrower shall ensure the legality of the loan purpose, and shall not violate the relevant laws and regulations and the relevant provisions of the People's Bank of China and the China Banking Regulatory Commission on the use of personal loans, and shall not arbitrarily misappropriate them.
2. According to the Interim Measures for the Management of Personal Loans issued by the CBRC, the borrower shall provide effective counterparty account information, etc. by adopting entrusted payment. To meet the conditions of independent payment, you need to submit personal account information.
3. If the time interval between the use of funds and the amount of funds is more than six months, the latest income certificate and supporting materials shall be submitted. Specific to the requirements of the organization.
4. Other materials required by the organization.
Due to differences in business in individual regions, please consult our acceptance outlets or call our customer service hotline 95566 (please call 86 10-95566 for overseas and Hong Kong, Macao and Taiwan regions) for details.
The above contents are for your reference. Please refer to the actual business regulations.