1, can't be used to buy a house: according to the loan regulations, consumer loans can't be used to buy a house, but they can be used to buy a car.
2. Can't be used for investment: If the borrower uses the loan for high-risk investments such as fund stock trading, the risk is too high for the bank.
3. Illegal behavior: Banks require that consumer loans must be used for legitimate purposes. Once the bank finds that the borrower has committed a crime by using the loan amount, the bank will immediately recover the loan.
2. What loan uses are not supported by personal loans of banks?
There are two ways to handle this situation: 1. Bank commercial loans are converted into provident fund loans. This business is not carried out everywhere. You should go to the local provident fund website to check whether it can be transferred. 2. Repaying commercial loans with provident fund. This business is available in most cities. Different treatment methods. One is to apply directly to the commercial loan bank for the provident fund to repay the commercial loan business; Fill in your provident fund account number and commercial loan repayment, including monthly repayment amount and annual repayment amount; But no matter which way, the insufficient part needs you to fill it yourself; One is to withdraw cash from the provident fund center every year; Then deposit the provident fund cash into your own commercial loan bank card for repayment of commercial loans. In short, you should find out what you can do, and then make full use of the provident fund to repay commercial loans; Lighten your burden.
3. What are the restrictions on the use of bank loans?
To apply for a loan from a bank, you need to choose the purpose and can only use it for special purposes. It is not suitable for high-risk industries such as gambling and stock trading. Today, we will talk about the purpose of the loan, which is not the key audit point in the loan approval, but directly related to the success of the loan application. There are two kinds of loan uses recognized by banks: First, personal consumption uses. In personal consumption loans, both secured and unsecured banks will require customers to prove the use of funds. Moreover, in order to ensure the authenticity, the bank will directly transfer the loan money to the user's account, and generally provide a consumption invoice. This ensures the earmarking to the greatest extent. For example, Mr. A applied for a personal decoration loan of 300,000 yuan. Then the bank will ask the decoration company to provide invoices and directly transfer the money to the enterprise account of the decoration company. The most common items recognized by individual consumer banks are decoration, purchase of mahogany furniture, purchase of electronic products and purchase of jewelry and jade. Second, enterprises have a wide range of business purposes. As long as it is a reasonable purchase and sale contract within the normal business scope of the enterprise business license (excluding prohibited industries such as steel, of course), it can be provided to banks as a purpose. Similarly, banks will transfer money to third-party companies and ask for invoices. Another example is that Mr. B applied for an operating loan of 6,543,800 yuan. The purpose of the loan is to buy raw materials. Then the bank will ask the raw material supplier to provide an invoice and transfer the money to the supplier's enterprise account. Some people ask me that I sometimes need money urgently. For example, if someone at home is sick, I can't get a loan if I invest in a friend's company without an invoice or stock. Yes, according to the risk control approval logic of big banks, loans that cannot be used reasonably will not be approved. For example, buying stocks and doing business with friends have great uncertainty, which seriously affects the repayment ability of lenders, so banks are not allowed to lend. So what if you really need money urgently and you can't find the use approved by the bank? There are also two ways. First, ask a familiar friend for help. Suppose a friend happens to be decorating. Although he is not short of money, he is eligible to apply for a decoration loan. You can ask him to help you with a loan in the name of decoration. Renovation contract can do anything, and you can also use a corporate account. But in this process, we must pay attention to the problem of capital risk. Professional loan service companies can provide such protection. The second is to find a professional tripartite company to cooperate. There are many professional third-party users in the market to provide this service.
4. Are there any restrictions on the use of gold bars in JD.COM?
The money lent by JD.COM Gold Bar will not limit its use.
The borrowing money of gold bars does not limit the consumption channels. You can spend it according to your needs. It shall not be used for individuals to buy houses, invest in securities, invest in equity loans, speculate in futures or engage in any other transactions that violate laws and regulations and endanger society.