Traditional Culture Encyclopedia - Tourist attractions - What can be used for loans?

What can be used for loans?

1. What can I do with this loan?

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.

Second, the loan purpose

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. The loan purpose is determined on the basis of 1. The extent to which the state uses credit leverage. 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. 2. The objective requirements 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. 3. The business nature of enterprises The business nature of various industries and enterprises in the national economy is different, and their capital occupation and turnover characteristics are also different. So the purpose of the loan is different. For example, in the process of product production, industrial production enterprises have to go through three links: supply, production and sales. Bank loans must meet the needs of both working capital and fixed capital of enterprises. Commercial retail enterprises should undertake the task of commodity reserve, work hard and sell quickly to ensure market supply, and bank loans should solve their liquidity needs. Therefore, according to the nature of enterprise operation, determining the appropriate loan purpose and solving its capital demand will not only promote the development of enterprise production and operation, but also help to allocate credit funds reasonably and improve the efficiency of use. What are the uses of personal loans? 1. Personal consumption loan refers to the behavior that citizens with a certain income apply for a loan from the bank for the purpose of consumption, provide certain guarantees, 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. 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. 4. Personal housing loan refers to the loan issued by the bank to the borrower for the purchase of self-occupied ordinary housing. 5. The individual refers to the loan that the borrower provides the corresponding pledge as the guarantee to the bank 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.

3. What are the loans used for consumption?

At present, the loan can be used for legitimate personal or family consumption such as car purchase, parking, decoration, education, mass consumption, shopping, tourism, and business turnover.

1. Decoration

At present, many banks have special decoration loans, which is also the preferred loan purpose of bank financial institutions. Due to the high loan amount, it is safer to directly transfer the loan funds to the company account of the decoration company. It is enough to provide the purchase invoice or contract of the decoration company when applying.

2. High-value consumer goods

People's living standards have improved, and they want to enjoy a higher quality of life. Luxury goods and high-priced goods are items they often buy. If you are short of money, you can choose to enjoy it in advance, such as buying a car, large household appliances, electronic digital products, jewelry bags and so on. And you can borrow money. In order to ensure the authenticity, the bank will ask you to issue an invoice, so remember to keep it properly when buying.

3. Education and study abroad

With the continuous improvement of social education level, many people have a strong idea of retraining. Education staging and study abroad loans are also one of the common loan uses in the market. You can apply for an education loan from the bank with relevant certificates, and some special types may have discounts.

travel

Traveling abroad is very convenient. Many banks and financial institutions have issued travel loans for this purpose, which can be used in many tourist attractions abroad. You can go directly to the bank and ask if there are any related projects. If not, you can borrow it directly and repay it in installments later.

: 1. Credit card loans with different loan amounts have some disadvantages compared with personal credit loans. The credit card loan amount is generally between 5000- 15000. If you want to buy big items, such as loan travel, loan to buy a car, furniture and appliances. The possibility of credit card loans is somewhat limited. The credit loan amount is generally 5- 15 times of the individual's monthly income. If a person with no serious overdue credit record and a monthly income of around 4,000 applies for a bank credit loan, the amount usually approved is 3-6w.

2。 Different loan conditions As far as loan conditions are concerned, credit card loans are not better than credit loans. Credit card applications are carried out in stages. The general loan term is 2 years and 24 installments, and the longest term of individual banks is only 3 years. The loan period of personal credit loan is at least 6 months and at most 5 years. Although credit card loans are more cost-effective, the fees charged are different according to the loan term. The longer the installment period, the higher the expected annualized interest rate, and the banks may be different.

3. Different loan thresholds As far as the application threshold is concerned, credit card loans are relatively simpler than credit loans, and most banks only need one phone call. Credit loans generally require a monthly income of more than 3,000 yuan to apply.

Fourth, how to write 20 words for the purpose of the loan?

Write truthfully, or when you can't pay it back, the bank will have a basis to sue you for contract fraud because you invented the purpose.