Extended concept:
1, loan from China Merchants Bank
Please fill in the form truthfully. At present, the loan purpose is: personal or family car purchase, parking space, decoration, teaching materials, bulk consumption shopping, tourism and other legal consumption; And the use of business turnover.
You can dial 95555 at 8:30- 18:00, select "3" personal customer service-"3" personal loan business -8 "manual consultation on loan application" to enter the manual service, and provide detailed information on loan purpose and city.
2. The loan purpose must be filled in according to the actual purpose.
In the "Three Measures and One Guidance" implemented by CBRC 20 10, the authenticity of loan use is strictly required. If the bank finds that the actual purpose of the borrower's loan is inconsistent with the application purpose during the later inspection, it can be considered as misappropriation of loan funds, and the bank has the right to stop the remaining loan that the borrower has not yet issued, and to require the lender to repay all the loan principal and interest in advance. The loan interest rate will also rise.
Moreover, in order to prevent the borrower from misappropriating the loan, the CBRC requires that the loan with a certain amount or more must be transferred to the borrower's counterparty account in real time through the entrusted payment of the lender.
As long as your use is legal and not used in illegal industries such as stock trading and gambling, or industries with overcapacity such as real estate and mining, it is good to tell the truth.
3. The purpose of the loan reflects which aspect of the production and business activities the loan is used to solve the capital demand and which part of the reproduction process the loan is used for.
Correctly defining and strictly grasping the purpose of loans is of great significance for realizing the separate management of financial funds and credit funds, promoting the comprehensive balance of financial budget and credit revenue and expenditure, and implementing the general policy of national economic policy and financial work; It is of great significance to play the role of credit service and supervision, promote enterprises to strengthen management, implement economic accounting and improve efficiency.