The purpose of the loan refers to the specific destination of the loan. It reflects which aspect of capital demand the loan is used to solve in production and business activities, which production factors the loan is combined with, and which part of the reproduction process the loan is used for.

I. Use of corporate loans:

The current loan is mainly used for the capital demand of inventory and fixed assets renovation. From the liquidity point of view, industrial enterprise loans are mainly used for raw material reserves, in-process products and finished goods inventory capital needs. Commercial enterprise loans are mainly used for the capital needs of commodity inventory and the capital needs of industrial and commercial enterprises in the process of commodity sales. From the point of view of fixed funds, it is mainly used for the capital demand of enterprise's technological progress and equipment renewal, the capital demand of enterprise's new construction, transformation and expansion, and the capital demand of enterprise's scientific and technological development (including part of working capital). In the field of consumption, it is mainly used for the capital demand generated by the purchase of civil commercial housing and automobiles.

Two. Personal loan purpose:

What is the purpose of personal loan?

When encountering financial problems, many people will choose to apply for personal loans. So, what is the purpose of personal loan? I'll introduce it to you today.

[If! SupportLists] 1, [endif] Personal consumption loan refers to the behavior that citizens with certain income apply for a loan from the bank for the purpose of consumption, provide certain guarantee, repay the loan at maturity and pay interest. It mainly includes: personal durable consumer goods loans, personal housing decoration loans, personal student loans, personal travel loans, automobile consumption loans and other business varieties.

[If! Support list ]2. [endif] Personal comprehensive consumption loan refers to the loan that banks give to individuals without specifying specific purposes in order to further meet their increasingly diversified consumption needs.

[If! Support list ]3. [endif] Credit card overdraft loan means that when the credit card account balance is less than the amount needed for consumption or shopping, the credit card holder automatically gives the required loan amount according to the limit agreed by the bank and the cardholder in advance.

[If! Support list ]4. [endif] Personal housing loans refer to loans issued by banks to borrowers for purchasing ordinary housing for their own use.

[If! Support list ]5. [endif] Individual refers to the loan that the borrower provides the corresponding pledge to the bank as a guarantee according to the loan amount. When the borrower's cash flow is insufficient to repay the loan, the bank will exercise the right to dispose of the pledge.

6. Personal credit loans refer to RMB credit loans issued by banks or other financial institutions to borrowers with good credit without providing guarantees. Based on personal credit and repayment ability, the loan amount will generally not exceed 1-200,000, and the loan term is1-2 years.

Copyright statement: This article is taken from the online article: the use of loans.

What is the purpose of the loan?

The purpose of the loan refers to the specific destination of the loan. It reflects which aspect of capital demand the loan is used to solve in production and business activities, which production factors the loan is combined with, and which part of the reproduction process the loan is used for.

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.

What can loan funds be used for?

It can be used for business purposes such as purchasing raw materials, purchasing goods, paying pavement rent, etc. Or buy a car, decorate, travel, wedding, medical care, parking, golf membership and other legitimate personal consumption purposes. Can not be used for buying a house, studying abroad, entering the securities market or other situations that do not meet the regulatory requirements.

At present, bank loans can be used for personal or family legitimate consumption purposes such as house purchase, car purchase, decoration, education, bulk consumption, shopping, tourism, and enterprise revolving loans. The purpose of the loan must comply with the provisions of relevant national laws, regulations and policies, and shall not be used for investment in areas that violate national laws and regulations and prohibit bank loans from entering, such as stocks and bonds. As the required conditions and application materials of each loan project are different, please call 95555 8:30- 18:00 and select 3 people to enter the manual service to provide loan purpose and city details. Whether the loan application is approved or not shall be subject to the comprehensive audit results of the personal loan department of the handling bank.

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 the 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.