Many people think that the money lent to them by the bank is their own money, and they can spend it as they want. It's actually wrong. There are unique rules for bank loans.

Borrowing money from banks for stock trading violates the bottom line of bank loans. Banks are not allowed to borrow money from capital for stock trading, and the loan contract will also indicate the purpose of borrowing money from capital banks. It is strictly forbidden to be used for high-risk investments such as stock trading, and banks will not lend.

Moreover, many bank loans have agreements, so you must read them carefully before applying. If the Bank of Communications loan is clearly stipulated in the user agreement, [it shall not be used in production, operation, investment and other fields (including but not limited to equity investment such as house purchase, stocks and futures)].

If stocks are found, according to the regulations, the bank will immediately cancel the customer's loan quota and immediately cancel the installment business of all loans or credit cards under this user name. It is necessary to immediately settle the amortized installment principal and installment expenses of the remaining installments. If discovered, it is almost impossible to pay off all debts suddenly, and overdue credit is almost certain. And there may be the following detailed penalties.

1. Freeze the line. Whether it is a credit card or a loan turnover limit, it will be frozen immediately to prevent you from taking it out and continuing to stock.

2. Repayment. The average person will pay off the loan in installments, and once you find out that you are trading stocks, you will be asked to pay it off immediately.

3. "blacklist". It is more difficult to apply for a credit loan next time, and providing mortgage guarantee may be successful.

In fact, not only banks, but also other lending software have corresponding regulations. At present, Article 2 1 of the General Rules for Loans stipulates that loans shall not be used for equity investment, and loans shall not be used for securities, futures and real estate speculation. Therefore, if it is a stock loan, no matter what the conditions, it will not be offered.

Therefore, if you have ever had the idea of borrowing money from the bank for stock trading, I suggest you give it up as soon as possible, even if you borrow money from relatives and friends for stock trading, it is not feasible. Stock trading is a high-risk investment behavior, which needs to be done according to one's ability. We need to invest with spare money that we don't usually use.