According to industry insiders, the common practice of banks at present is that for mortgages of more than 300,000 yuan, only credit cards or entrusted payments are needed when lending, and every transaction related to bank cards can be monitored through the system. Once the funds appear suspicious operations or flow to the real estate market, banks will immediately collect loans.
For credit loans of less than 300,000 yuan, users who choose to withdraw cash need to specify the purpose of the loan when applying, and provide subsequent consumption documents for post-loan inspection. Once the actual use does not match the application use, the bank will start the system to trace the flow of funds, and if it violates the supervision and flows into the real estate market, it will also implement loan collection.
2065438+September 5, 2007, Beijing Banking Regulatory Bureau and the Business Management Department of the Central Bank jointly issued a notice, requiring banking financial institutions under their jurisdiction to focus on investigating the illegal inflow of funds such as "mortgage" into the real estate market, and explicitly requiring banks to self-examine a single consumer loan of more than 200,000 yuan, focusing on seven characteristics, such as mortgage, handling two or more consumer loans within a short time, and returning the borrower's account within a short time after the loan.
Extended data:
20 16 At the beginning of March, the National Development and Reform Commission and the People's Bank of China issued the Notice on Perfecting the Pricing Mechanism of Credit Card Charges, announcing that the new rules for charging POS machines will be officially implemented today. It is reported that the new standard of POS card-swiping fee requires that POS card-swiping fee basically consists of three parts: bill collection service fee, card issuer service fee and network service fee.
One of the important contents of this new regulation is to reduce the service fee rate of the issuing bank and the network service fee rate, and implement differentiated charges for debit cards and credit cards. In other words, after the rate adjustment, it makes no difference whether the merchant swiped a credit card or a debit card before (the credit card rate remains unchanged), but the handling fee for swiping a credit card in the future will be higher.
People's Network-Consumer loan "wearing vest" turned into a down payment loan for buying a house? There are still fish escaping from the net under strict investigation.
Phoenix. Com- the new credit card handling fee will be implemented from now on. It costs an extra thousand dollars to buy a car and swipe a credit card.