1. Is uploading coupons a scam?
Banks or their patients' financial institutions require users to upload consumption vouchers after borrowing money.
1. Provisions on the use of consumer loans.
Consumer loans are loans to individual consumers to buy durable consumer goods or pay for patients. Therefore, in the loan contract, there are usually clear terms that stipulate which areas the loan can be used for consumption and which areas are prohibited from being used for consumption.
For example, bulk consumer goods, home improvement and tourism are common available consumption areas, while stocks, funds, futures and real estate are typical forbidden areas for consumer loans.
Judging from the provisions on the use of loans, users are obliged to use loans reasonably according to the contract, and lending institutions will also monitor the flow of funds by checking the use certificate and paying a return visit after the loan.
2. Regulatory requirements of CBRC
The China Banking Regulatory Commission has always had relevant regulatory requirements, requiring banks to strengthen the review and supervision of consumer loans. One of the most important reasons is to prevent users from using consumer loan funds for down payment of housing mortgage loans. According to the relevant regulations, the down payment must use its own funds, and using leverage to buy a house is against the current property market policy.
Two, consumption vouchers are receipts or invoices that reflect the amount and purpose of consumption. Generally speaking, vouchers must meet the following requirements:
(1), the consumption amount is greater than or equal to the loan amount;
(2) The consumption date is later than the loan issuance date;
(3) The name of the dealer must be consistent with the name of the loan applicant;
(4) The payee's payment of the receipt/invoice cannot be a personal signature, but can be an official seal, a contract seal and a business seal;
(5) funds cannot be used to enter the securities market, buy houses, repay loans and credit cards.
Coupons can be opened. Now you need to upload coupons, mainly depending on how and what you spend, such as mobile phones, digital computers, home appliances, furniture, decoration, building materials and travel. They are all valid vouchers for personal consumption.