Question 1: Does anyone know what is the purpose of opening a certificate of funds for a loan?

Question 2: What are the specific functions of bank deposit certificate? The China Merchants Bank Certificate of Deposit is used to prove that the customer has opened a loan with China Merchants Bank. Written proof of various types of savings in personal accounts, deposits in various currencies, treasury bonds, the amount purchased of a certain entrusted financial product, structured deposits, and wealth account deposits can be used to freeze funds or accounts until a specified date.

There is no minimum deposit required and no minimum time limit required. The account is frozen for as long as the customer needs to open the deposit certificate during the opening period, and there is no need to freeze the account for the point-in-time deposit certificate.

Question 3: What is a fund credit certificate? What is the difference between a certificate of credit and a certificate of funds? Fund credit certificate, referred to as "credit certificate", is a certification document issued by a bank to explain whether the company's capital transactions with the bank are normal and whether loans and other businesses involving credit risks are overdue. Generally, companies This document is required when bidding;

Proof of funds means "certificate of deposit", because we usually hear about "certificate of deposit", but not much about "certificate of funds"

I hope the answer will be helpful to you

Question 4: What is the asset certificate? The asset certificate generally refers to your time deposit certificate in the bank. The time limit is that you cannot use this money while you are abroad.

Nowadays, any bank can apply for a certificate of assets. Now the embassy requires it to be no less than 30,000 yuan. After you deposit the money, you can immediately ask the bank to issue a certificate of deposit.

Of course, in addition to the deposit certificate, the following materials can also be used as proof:

Real estate certificate (real estate certificate), certificates (stocks, funds), bank statements

< p> When applying for the final asset certificate for a visa, there are a few points you need to pay attention to:

1. If the asset certificate must be in a bank deposit, the fund can only be used as a supplementary material to make your certificate more complete

2. It must be a deposit of more than 3 months

3. You cannot just use the property certificate

4. The more complete the materials for applying for a visa, the better. For example, a large deposit and a high real estate value are all conditions for a smooth signing.

Question 5: What is the use of a bank certificate of deposit and how to open it? 1. If you want to open a certificate of deposit, you need to freeze the funds. How long is the minimum period of 10 days, 15 days or more?

Generally, it is 3 months, 6 months Most are open for a month, and it can be opened for a short time, but it is meaningless and the other party will not recognize it

2. For example, if it is opened for a month, then I don’t need it after 7 days. Can I terminate the freeze in advance?

No, it will take a month after it has been opened for one month before you can withdraw it

3. Because I have a bank card (debit card), so if I use the card to check at the ATM machine, because It has been frozen

So can I still check whether the balance will be empty or temporarily frozen?

The frozen part cannot be seen in the bank card atm Money is similar to fixed deposits. You cannot see fixed deposits, only demand deposits

Hope this helps

Question 6: What is the use of point-in-time deposit certificates? Point-in-time deposits are The amount of your bank deposit at a certain point in time, for example, what is the total deposit in the bank at 10 o'clock on the 2nd. Period deposit is the deposit amount during a certain period of time

For example, the total deposit amount from the 2nd to the 5th. If there is a deposit on the 6th, it cannot be calculated.

Question 7: You need to apply for a deposit certificate when going abroad. What is the role of this deposit certificate? The most important point is: the deposit certificate is for the visa officer to see. Prove that you have the ability to live abroad, study locally, and have no intention of immigrating. ====If you are satisfied, don’t forget to accept it. If you don’t understand, feel free to ask.

Question 8: Going abroad requires proof of assets and a credit visa. What are these two things used for? Prove that you have money and will not do illegal things in their country. Even if you do illegal things, you have the money to compensate

Question 9: What should I do if the bank needs to provide proof of purpose? Apply for a personal loan at the bank, and the bank will There are requirements for the use of funds. The China Banking Regulatory Commission issued the "Interim Measures for the Management of Working Capital Loans" and the "Interim Measures for the Management of Personal Loans" on February 20, 2010, aiming to regulate the two types of loan businesses and strengthen prudent loan operation and management. Among them, except for credit card overdrafts, the Personal Loan Management Measures clearly stipulate that banks are not allowed to issue personal loans without designated purposes.

For those who can provide proof of loan purpose, loan applicants need to provide relevant documentation. For example, if the purpose of applying for a loan is to purchase a car, you need to provide a car purchase contract or car purchase invoice and other materials; if the loan is to be used for decoration, you need to issue a decoration contract to the bank. If the loan cannot provide proof of loan purpose when applying, the borrower generally needs to write a loan purpose statement.

The format is as follows:

I, XXX, apply for a personal credit loan of XX million yuan from XXX Bank.

I solemnly declare that the true purpose of this loan is to fund XXX people’s overseas travel, and I promise to abide by the loan contract. If you change the purpose of the loan without authorization, you will be responsible for all consequences.

Declarant:

Year, month and day

Issuing a loan purpose statement to the bank is, on the one hand, for the bank to avoid legal consequences that may arise after the borrower obtains the loan. Risks, on the other hand, also impose certain restrictions on the legitimate use of bank loans by loan applicants, and will not have an impact on future loan interest rates and repayments.

Banks vary based on their risk appetite, and the prohibited uses of personal loans may also be inconsistent. However, the following loan purposes are generally not supported:

(1) Land reserve and development in the real estate industry. If the purpose of the loan is real estate development, the bank can support corporate loans, but personal loans are not included in the scope of support.

(2) Equity investment. For example, loans are used to supplement the capital for establishing companies and other enterprises.

(3) Securities market investment, including the purchase of stocks, bonds, funds, futures, warrants, etc.

(4) Industries involving pornography, gambling, and drugs.

(5) Used in industries prohibited and restricted by national, provincial and municipal industrial policies and to produce supporting products for related industries.

(6) It is used in the manufacturing of products with serious environmental pollution, potential safety hazards and poor market sales.

Question 10: How to use your own money as proof of funds? Provide proof of your income, work certificate, and bank deposit certificate. If you are employed, it is best to provide proof of your employment and income, even if your parents provide money or scholarships. Because this can help explain your plan to return to the country, especially if your salary is better in the country, it can let the consul see that you have a good development, which will make you more confident that you will return to the country.