It is best to fill in the consumption category for loan purposes, such as tourism, education, wedding, decoration, automobile consumption, study abroad, etc. However, whether the applied loan can pass depends on the information submitted by the user, such as work certificate, payment certificate, personal credit report, etc., which will affect the handling of the loan.

Users must choose the loan amount according to their repayment ability when handling the loan, so as to ensure that the loan will be returned on time after handling, and there will be no overdue return, because there will be penalty interest after overdue return, and the longer the time, the more penalty interest will be, and the bank will collect it after overdue.

It is worth noting that after loans overdue, overdue records will be uploaded to the credit information center, which will lead to the deterioration of personal credit information and affect subsequent applications for various loans, such as car loans or mortgages. Moreover, after the arrears are returned, the overdue records will continue to be kept for 5 years, and will automatically disappear after 5 years.

Users can compare different banks when handling loans, so as to know which bank gives a low loan interest rate. After all, banks with low loan interest rates have less interest on loan fees, which is conducive to the subsequent repayment of arrears. It is worth mentioning that when the loan amount is small, you can borrow money through the Internet.

How to write the purpose of the loan

Generally, it can be filled in according to actual use.

For example: liquidity; Pay for the goods; Production and operation; Buy a house; Buy a car; Decoration or something.

If it is a bank loan, it is generally for the specified purpose, and it can be filled in according to the requirements of the bank.

The purpose of the loan reflects which aspect of the production and business activities the loan is used to meet the capital demand and which part of the reproduction process the loan is used for.

Correctly defining and strictly grasping the purpose of loans is of great significance for realizing the separate management of financial funds and credit funds, promoting the comprehensive balance of financial budget and credit revenue and expenditure, and implementing the general policy of national economic policy and financial work; It is of great significance to play the role of credit service and supervision, promote enterprises to strengthen management, implement economic accounting and improve efficiency.

Extended data

Determine the basis

The utilization degree of credit leverage by the state

Financial funds and credit funds are two main channels for the state to mobilize and allocate funds. If the state mainly uses financial means to raise and distribute funds, the use of loans will be narrow; If the country mainly uses credit to raise and allocate funds, the use of loans will expand. In order to give full play to the leverage of bank credit, under the condition of ensuring the comprehensive balance between financial funds and credit funds, changing the capital distribution channels of economic construction funds mainly based on free distribution will help enterprises save funds, promote enterprises to improve their management and improve economic benefits. Bank credit has become an important channel to raise and allocate funds for economic construction, which is the requirement of the national economic development strategy.

The objective requirement of economic development

When the supply capacity of credit funds allows, the expansion of loan use also depends on the objective needs of economic development in various periods. With the increasing role of finance in the national economy, bank credit has become an important channel for the redistribution of social funds. Adjusting industrial structure, developing basic industries and realizing rationalization and optimization of industrial structure are the basic conditions for economic coordination, stability and sustainable development, effective allocation and efficient utilization of social resources, and also an important symbol of economic modernization. Bank credit should meet the objective requirements of economic development and determine the purpose of loans in different periods.

What is the purpose of Weibo's borrowing money?

Weibo can borrow money to fill in the purposes close to its actual needs, which are generally used for daily consumption and capital turnover. And everyone needs to pay attention to:

1. Because the whole process of borrowing money in Weibo is handled online, there is no need to provide paper materials, just enter my correct relevant information according to the page prompts.

2. When borrowing, you should bind your own real-name authentication bank card, and it is not supported to bind other people's bank card loans (the platform supports most mainstream bank card bindings). However, if the approval fails due to abnormal bank cards during the loan process, you can try to change other bank cards in your name to apply for a loan.

3. After the loan application is submitted, the system can generally complete the review within 30 minutes at the earliest, and the approval result will generally be available within 2 hours. The platform audit time is from 9: 00 am to 20: 00 pm (normal audit on non-working days). If there is no result before 20 o'clock that night or the application is submitted after 20 o'clock, you can pay attention to the audit results after 9 o'clock the next morning, and you will be informed by SMS if there is any result.

How to fill in the purpose column when applying for a small loan?

Please fill in according to the actual situation. The loan purpose of personal loan is: personal consumption loan refers to the behavior of citizens with certain income applying for loans from banks and providing certain guarantees, returning the loans at maturity and paying 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. 2. Personal comprehensive consumption loans refer to loans that are not specified for specific purposes and are granted by banks to individuals to further meet their increasingly diversified consumption needs. 3. Credit card overdraft loan means that when the credit card account balance is less than the amount required for consumption or shopping, the credit card holder will automatically give the required loan amount according to the limit agreed by the bank and the cardholder in advance. Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of ordinary housing for personal use. 5. Personal pledge loan 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.