The General Principles of Loans also stipulates the following restrictions on the use of loans: (1) The borrower shall not use the loans for equity investment, unless otherwise stipulated by the state; (2) The borrower shall not use the loan to engage in securities and futures speculation; (three) except for borrowers who have obtained real estate qualifications according to law, they shall not use loans to operate real estate business; Borrowers who have obtained real estate business qualifications according to law shall not use loans to engage in real estate speculation; (4) The borrower shall not borrow loans to obtain illegal income.
Second, what are the restrictions on the use of loans?
The General Rules for Loans also stipulates the following restrictions on the use of loans:
(1) The borrower shall not use the loan to engage in equity investment, unless otherwise stipulated by the state;
(2) The borrower shall not use the loan to engage in securities and futures speculation;
(three) except for borrowers who have obtained real estate qualifications according to law, they shall not use loans to operate real estate business; Borrowers who have obtained real estate business qualifications according to law shall not use loans to engage in real estate speculation;
(4) The borrower shall not borrow loans to obtain illegal income.
3. What purpose shall the loan not be used for?
The loan shall not be used for the following purposes: 1. Credit loans cannot be used for financial management. Financial management includes stock trading, bonds, P2P, stocks, Public Offering of Fund, trusts and private equity funds, and credit loans cannot be used for financial management. Bank loans are made to earn interest. If the borrower manages the loan again, the risk will be greater. A storm may cause borrowers to be unable to repay their debts, and eventually banks may have to bear bad debts. 2, illegal acts, such as gambling, drug abuse, release, etc. These uses are prohibited by the state, and once discovered, the consequences may be very serious; 3. It is inconsistent with the actual use. For example, many banks are not allowed to apply for personal credit loans for business operations; 4, can not be used for real estate speculation, some users lack money to buy a house, they will apply for a credit loan to pay the down payment of the house, which is also not allowed; 5. It is forbidden to forge false loan purposes. When filling in the purpose of the loan, we should adhere to the principle of honesty and trustworthiness, truthfully fill in the transaction background and the purpose of the loan, and submitting false materials will be suspected of "defrauding the loan"; 6. It is forbidden to borrow money for stock trading, gambling and gambling. Stock trading, gambling, lending and other loan purposes are prohibited by the state, and gambling is obvious in nature, risky and harmful, which is very undesirable; 7. Consumer loans are prohibited from being used for house purchase and business purposes. Consumer loan is a special loan method, which clearly stipulates that loans can only be used for daily consumption, such as decoration, home appliance purchase, tourism and so on. , but not for real estate speculation or business needs. The compliance purposes of loans are generally divided into these categories: business operation, consumption, decoration, education, wedding, tourism and others. But also need to provide the corresponding invoices, contracts, receipts or other supporting materials. Note that the loan purpose cannot be filled in casually, but should be filled in. Don't cheat, be lucky. Once it is discovered, it is necessary not only to recover the loan, but also to investigate the responsibility. Changing the use of loans is suspected of loan crimes. If the borrower changes the purpose of the loan without the consent of the lender, it is a breach of contract, and the lender may stop issuing the loan, recover the loan in advance or terminate the contract in accordance with the loan contract. The so-called crime of defrauding loans refers to the act of obtaining loans from banks or other financial institutions by deception, causing heavy losses to banks or other financial institutions or other serious circumstances.
4. What are the restrictions on the use of loans?
The General Principles of Loans also stipulates the following restrictions on the use of loans: (1) The borrower shall not use the loans for equity investment, unless otherwise stipulated by the state; (2) The borrower shall not use the loan to engage in securities and futures speculation; (three) except for borrowers who have obtained real estate qualifications according to law, they shall not use loans to operate real estate business; Borrowers who have obtained real estate business qualifications according to law shall not engage in real estate speculation by means of loans; (4) The borrower shall not borrow loans to obtain illegal income.