You have to find a third party. If you spend money, you have to sign a contract with a decoration company or a furniture company. If it is an operation, upstream and downstream contracts need to be provided. Money can only be earned if it goes to a third party.
Second, how to operate the entrusted payment loan?
The transaction pair is paid by entrustment. Only when the loan transaction object is unclear and the loan amount is below 300,000 can the autonomy be used.
3. What procedures does the bank need to handle the entrusted payment?
First of all, you need to entrust the payment contract, including the transaction situation, account number, account name, amount and so on. This is clear;
Secondly, it is necessary to apply for entrusted payment, which can only be entrusted after the borrower submits a written application. The application clearly states the name, account number, amount and date of the consignor. The bank will be entrusted according to the application.
4. What should I pay attention to in entrusted payment of bank loans?
Pay attention to the entrusted payment of bank loans:
1, from the perspective of credit asset security of direct loan issuing banks
Whether each loan is issued or not is the result of the bank's own risk and income measurement. Entrusted payment can better enable enterprises to use funds according to the application purposes, ensure the authenticity of the trade background, make the actual flow of funds easier to meet the pre-assessment of banks, and make the loan repayment ability more predictable.
2. From the perspective of supervision
Banks will not lend because individuals and legal persons can repay loans; These visible hands, such as the role of banks in serving the real economy, the demand for supervision and the demand for macro-control by the People's Bank of China, will put forward many requirements for the flow of financial assets, the manipulation of industries and the safety.
Entrusted payment can prevent loan funds from entering the stock market and illegally entering the housing market, resulting in a bubble. In short, this is a necessary measure to create a financial ecological environment.
3. In practice.
Everything in China is flexible, and the above two perspectives are indeed abnormal in practice, especially in the loan operation of small and micro enterprises. Risk and reward are eternal games and dances. It is also true that many banks will act flexibly according to their own judgment on the ultimate repayment risk and even the liquidity of the second repayment source.
Extended data
Matters needing attention in loan are as follows:
1. The information provided to the bank shall be true, the address and contact information provided shall be accurate, and the bank shall be informed of any change in time;
2. The loan purpose should be legal and compliant, and the transaction background should be true;
3. According to your repayment ability and future income expectations, choose the repayment method that suits you;
4. Apply for a loan amount according to your own ability. Usually, the monthly repayment amount does not exceed 50% of the total family income;
5. Read the terms of the contract carefully and understand your rights and obligations;
6. Repay on time to avoid bad credit records;
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan;
8. prepayment must be handled by communicating with the bank one month in advance.
9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.