2. Generally speaking, bank loans are directly credited to the lender's bank card (only the lender's bank card) after approval, and cannot be credited to the lender's account in other banks. You will have a sales contract with this third party, and you have already signed it. Your loan is used to pay the supplier's money. This loan is the money you pay to a third party, that is, the third-party payee of the operating loan. In order to control risks, banks transfer money to other people's accounts. The second is that you have a contract with a third party and both parties sign it. This money is what you need to pay, so the third party is the payee.
1. A third-party card refers to a bank mortgage loan, and generally requires a third-party payee. A bank card provided by a third-party payee is called a third-party card.
2. The reason why the loan amount in the bank is transferred to a third-party account is mainly to prevent the loan from being abused. When making a loan, the bank needs the lender to provide proof of the purpose of the loan before issuing the loan. However, the premise of issuing loan money is that the lender submits the loan use certificate, and the bank cannot extract the loan use certificate from the lender when lending, so it cannot transfer the loan to the lender's account. At this time, you need a transitional account, that is, a third-party account, to transfer money to a third party. It is suggested that lenders must choose trustworthy people when looking for third-party transitional accounts.
3. As a third-party payee, provide a collection account, usually an enterprise or a private person. However, the third-party payee only serves as a transfer of funds, which has nothing to do with the borrower itself and will not affect the third-party payee. However, if the bank fails to repay the loan on time due to its own reasons, the bank will still record the overdue repayment in the borrower's personal name, which will generally have a negative impact on the borrower's personal credit record.