If you apply for a loan from China Merchants Bank, our bank has personal consumption loans, which are issued by our bank to natural persons for personal or family legitimate consumption purposes, such as car purchase, parking, decoration, education, bulk shopping, tourism and so on. , generally secured by real estate mortgage. You need to provide your personal information and proof of the specific use of funds, and apply through the counter personal loan department.
Generally, commercial housing is used as collateral, and the mortgage rate shall not exceed 70% of the present value of real estate appraisal; Where commercial houses are mortgaged, the mortgage rate shall not exceed 60% of the net value of real estate appraisal or 50% of the present value of appraisal. For educational purposes, the term shall not exceed 8 years (inclusive).
Second, do you need to hand in the loan use certificate after the loan? For example: shopping records, consumption vouchers, invoices and so on?
After handling, if you borrow from a bank or a regular consumer loan company, you need to promise the purpose of the loan according to the signing party. If the money comes down, you will get a formal coupon within one month or one to two weeks and submit it to the loan company you promised. This is clearly stipulated in the relevant loans of the head office of the bank and must be implemented. If you provide false invoices or false vouchers, you will have to pay higher penalty interest and extra money until it is investigated.
Third, how to write the certificate of use when borrowing from the bank, and what format is used?
One. The borrower is you and the format is as follows:
Letter of commitment for repayment guarantee
A bank:
If someone borrows money from your bank, our company will provide guarantee for him voluntarily and assume the responsibility of repayment.
A company
Two. The borrower is a company.
Letter of commitment for repayment guarantee
A bank:
When applying for a loan from your bank, our company voluntarily takes the company's income as the repayment source and undertakes the repayment responsibility.
A company
As for the fact that you are a borrower and the company pays directly, under normal circumstances, banks do not handle loans that borrowers do not pay directly.
People contact more loans are housing, real estate loans and private loans. Private loans can be used for many purposes, such as buying a car, opening a shop, decorating, buying goods, buying equipment and so on. When applying for a loan, no matter what kind of use it is, you must have corresponding documents to prove it.
4. How to write the loan use certificate?
Question 1: The format of the loan purpose statement should first consider that the loan purpose should conform to the national industrial policy, second, it should conform to the credit policy of the lending bank, third, it should be specific and clear, and fourth, it should have market prospects.
Question 2: How to write the model loan certificate? The borrower is you and the format is as follows:
Letter of commitment for repayment guarantee
A bank:
If someone borrows money from your bank, our company will provide guarantee for him voluntarily and assume the responsibility of repayment.
A company
Two. The borrower is a company.
Letter of commitment for repayment guarantee
A bank:
When applying for a loan from your bank, our company voluntarily takes the company's income as the repayment source and undertakes the repayment responsibility.
A company
As for the fact that you are a borrower and the company pays directly, under normal circumstances, banks do not handle loans that borrowers do not pay directly.
People contact more loans are housing, real estate loans and private loans. Private loans can be used for many purposes, such as buying a car, opening a shop, decorating, buying goods, buying equipment and so on. When applying for a loan, no matter what kind of use it is, you must have corresponding documents to prove it.
Question 3: How to write the loan use certificate? The purpose of consumer loans can usually be to improve the quality of life, shopping, house decoration,
Never do business or other reasons. He will explain to you the specific account manager you are connected to. Did he do his preliminary work properly?
Question 4: How to write the bank loan use certificate? Bank loan funds need to be clearly used, and loan funds shall not be used in production, operation and investment areas explicitly prohibited by the CBRC. The borrower needs to provide a certificate or statement on the use of funds.
For those who can provide proof of use, the borrower needs to provide relevant information to prove. If the purpose of the loan is to buy a car, you need to provide information such as car purchase contract and down payment; The purpose of the loan is to provide renovation contract for the decoration; The purpose of the loan is to purchase equipment, and it is necessary to provide equipment quotation or purchase order.
Question 5: Proof materials for loan purposes: Different types of loans provide proof materials for different loan purposes:
1. Operation: The documents to be provided include proof of business domicile, renovation contract of business premises, purchase agreement of business equipment, product purchase and sale contract, etc.
2. Purchase of equipment: If the loan is for the purchase of equipment, you need to provide the corresponding equipment quotation or purchase order.
3. Consumption: You need to provide relevant supporting documents, such as car purchase invoices and vouchers, purchase and sale contracts for commercial houses, and purchase vouchers for household appliances.
4. Decoration: If the loan is used for decoration, it is necessary to provide the decoration project budget issued by renovation contract and the decoration company, including material costs, labor costs, receipts, etc.
5. Education: You need to provide admission notice, tuition receipt, etc. That can reflect the amount of tuition.
6. Wedding: wedding banquet contract, jewelry invoice, etc. Should provide.
7. Purchase: If the loan is used for purchase, you need to provide the corresponding order voucher.
8. Travel: there must be travel contracts, hotel consumption invoices, receipts, etc.
9. Others: related invoices, pos bills, etc. Should be provided.
Question 6: How to write the loan use certificate? I consulted in the online loan supermarket in Yin Ji.
At present, banks all over the country only accept commercial loans.
Banks don't accept general consumer loans.
For business purposes, you should provide some information about your company.
Such as business license or something.
If it is a consumer.
As long as there is a contract for your consumption, an invoice will do.
Question 7: How to write the loan purpose statement? To apply for a loan, you need to submit a written application to the bank, and explain the reason and specific purpose of the loan in your loan application.
Question 8: How to write the loan fund use certificate? You can't write investment. Banks don't lend money for this. It is better to be working capital and purchase goods. Keep the formatted one. There is no requirement from the bank.
Question 9: The loan use description model must be written according to the actual use. In the "Three Measures and One Guide" promoted by CBRC 20 10, the authenticity of loan use is strictly required. If the bank finds that the actual purpose of the loan is inconsistent with the application purpose in the later inspection, it can be considered as misappropriation of loan funds. The bank has the right to stop the remaining loans that the lender has not yet issued, and has the right 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.
Question 10: how to write hello for the purpose of bank loan? Loans are divided into consumer loans and commercial loans. Commercial loans have short service life, high interest rate and long service life. Mainly used for personal consumption, including personal car purchase, decoration, travel, going abroad, buying furniture, etc. I hope I can help you!