How to write the purpose of personal loan?
1. Description of loan purpose-basic information of the enterprise
This company was founded in. In the industrial park, it covers an area of mu, with a building area of square meters, organic platforms (sets) and production lines. The company was recognized by the State Ethnic Affairs Commission as a designated production enterprise of ethnic minority articles, and developed into a leading backbone enterprise of county industry and a "232 1" labor training base. The company operates steadily, with advanced business philosophy and high management level.
Two. Description of loan purpose-assets and liabilities of the enterprise
At present, the company's total assets are RMB, including fixed assets, inventory, accounts receivable and other assets.
The company borrowed10,000 yuan from CCB,10,000 yuan from Chengnan Credit Cooperative and10,000 yuan from accounts payable. Percentage of assets and liabilities.
Three. Description of loan purpose-company operation
In the process of development, the company actively adjusted its business strategy and paid attention to the development and maintenance of the sales market. In 2006, 65,438+0,000% order management has been achieved, and the passive management situation of blind acquisition has been completely shaken off. Established a long-term cooperative relationship with the company and Shenzhen Co., Ltd. Strict quality control in production has won many customers with high-quality products. The processing and management strategy without plush has been implemented, and good market and economic benefits have been achieved at present.
Four. Description of loan purpose-company development
In 2005, the company realized a total operating income of billion yuan and paid taxes of billion yuan. In 2006, the total operating income reached billion yuan, which was turned over to the state treasury.
Our company has established a modern system in accordance with the company law, and a modern enterprise framework has been formed. Pay attention to integrity construction, technological progress and institutional innovation. Over the years, with perfect management and high and low market prices, we have been making steady progress. In the process of operation, we strictly control the collection and sale, pay close attention to the market conditions, operate flexibly, have a strong sense of risk and have a high degree of sincerity. Over the years, our business is booming and getting bigger and bigger. The company's production and operation have entered a good cycle state, the capital operation is normal, the management process is orderly, the development is steady and sustained, and now it has good profitability.
Verb (abbreviation of verb) loan purpose description-loan purpose and repayment source
Company loans are used to supplement working capital and purchase raw materials. The source of repayment is sales return.
Personal loan use mode
I (), with my ID number (), apply for a loan () from xx Bank for a term of () and the purpose is (). I promise that I will use the loan strictly according to the above purposes, and will never use it for real estate development, house purchase, financial market investment or gambling, and I am willing to accept the supervision of your bank. If the purpose of the loan deviates, I will personally accept any relevant punishment from your bank.
Borrower: ()
Date, year and month
Materials required for personal loans
1, buy a car
If the borrower applies for a personal consumption loan to buy a car, then it is necessary to provide relevant certificates issued by the dealer.
Step 2 decorate
If the loan is used for decoration, the decoration project budget provided by the decoration company is needed.
Step 3 buy equipment
If you purchase equipment by loan, you need to provide equipment quotation or equipment purchase order.
Step 4 buy goods
If the loan is used to buy goods, an order voucher is required.
Step 5 travel
If you are traveling, you need to provide relevant contracts to the bank.
Step 6 buy durable goods
If you buy durable goods, you need to provide relevant invoices.
Therefore, the borrower must provide a certificate of loan use that meets the requirements of the bank according to his actual situation.
Personal loan application process
1. The borrower shall fill in the application form at the loan handling office with valid ID, pledge, mortgage certificate and guarantor's guarantee. After investigating the borrower's guarantee and credit, the bank will reply to the borrower within 15 days.
2. After the borrower's application is approved, it shall sign a loan contract and corresponding guarantee contract with China Construction Bank.
3. During the validity period of the credit line and the available credit line, the borrower can use it at any time. When using it, he has to fill in an IOU to use a single loan. The Construction Bank will transfer the loan funds into the account agreed in the contract.
4. The borrower can recycle the loan within the validity period of the credit line, and the available credit line is the difference between the credit line approved by the bank and the principal balance of each loan under the credit line. After the borrower owes the loan, the available amount will be deducted accordingly, and after the borrower repays the loan principal, the available amount will be increased accordingly.
How to write an application for personal loan?
First look up at the XXXXXX branch/unit, then introduce yourself, explain the reason and purpose of the loan, write down the loan period, whether to repay the principal and interest or equal repayment, make a guarantee to ensure timely repayment, and finally sign and press the fingerprint.
1. Write a eulogy at the beginning of the application, that is, indicate which bank to apply for a loan from;
2. In the text of the application, state your current work unit, professional title, income, loan purpose, loan amount and repayment period. In order to ensure the smooth progress of the loan, if you use your own property as collateral, you should also specify what kind of real estate or movable property to use as collateral;
3. Generally speaking, before approving the loan application, the bank or unit will inquire about the personal information of the applicant, understand his credit standing and confirm whether he has repayment ability. Therefore, in the loan application form, it should be clearly stated that the unit or bank agrees to inquire its own information through the personal credit information system of the People's Bank of China;
4. When specifying the purpose of the loan, it should be specific. For example, I declare that this property is the nth house purchased by family loans (excluding provident fund loans);
Generally speaking, before applying for a loan, the bank will let you open an account in this branch (sub-branch) for the convenience of the lender's repayment. Therefore, in the loan application form, you should indicate that you have opened an account as required by your bank, and indicate the specific account number;
6. Write something similar to a letter of guarantee. That is, to ensure that the loan principal and interest are fully deposited in each repayment period and before the loan maturity date, and to authorize the lender to deduct the loan principal and interest (including overdue interest and penalty interest) from the account on the monthly repayment date and loan maturity date;
7. Changing accounts often happens in life. Therefore, it should be stated in the application that if the repayment account changes, I will provide the new account information in time;
8. Clearly express that I am willing to bear the liability for breach of contract: if the account funds are insufficient and I default on the loan, I accept all legal collection measures of your unit (bank) and voluntarily bear all consequences;
Finally, you need to sign the handprint of the applicant and write down your valid ID card and application date.
Article 667 of the Civil Law defines a loan contract as a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, except as otherwise agreed between natural persons.
The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 The borrower has the obligation to truthfully provide information to conclude a loan contract, and the borrower shall truthfully provide the business activities and financial status related to the loan as required by the lender.
How to write a description of the use of loan funds?
Table of loan purposes
I _ borrow (in words) RMB from the lender for _ _.
I guarantee that the purpose of the loan is legal. If the purpose is illegal, all problems will be borne by me _ _, which has nothing to do with the lender and the service provider.
Note: This manual is in duplicate, one for the lender and one for the third party company.
Borrower:
Date: Year Month Day
The above are the basic instructions for the use of loans. If you go to bank financial institutions or private lending platforms for loans, it is recommended to consult customer service staff in advance to see if there is a prescribed template, otherwise you must submit it repeatedly if you find that it does not meet the requirements.
The loan term refers to the period from the time when the lender issues the loan to the borrower to the time when the loan is recovered. The loan term is the term for the borrower to actually use the loan.
First, the lender can arrange the loan scientifically and reasonably according to the length of the loan period to ensure the safety and efficiency of the credit assets. Second, the borrower can apply for a loan according to the loan term, make good use of the loan within the term, and strive to get the maximum benefit. Third, the loan term is closely related to interest payment, which can make the borrower calculate the borrowing cost more carefully and reduce unnecessary time. It can also enable the lender to allocate the loan amount reasonably and improve the overall benefit of loan use.
According to the length of the loan period, loans can be divided into short-term loans and medium-and long-term loans.
1), short-term loans with a term of 1 year or 1 year (temporary loans for more than 3 months and less than 6 months), characterized by short term, low risk and high interest rate. They are usually issued in the form of "loans", which are mainly used to meet the needs of borrowers for short-term funds.
2) The medium-term loan term is over 1 year (excluding 1 year) and under five years (including five years), which is characterized by long term, high interest rate, poor liquidity and high risk.
3) Long-term loans of more than 5 years (excluding 5 years).
The borrower shall meet the following basic conditions when applying for a loan: the products are marketable, the production and operation are profitable, the credit funds have not been misappropriated, and the credit is strictly observed:
(a) has the ability to repay the principal and interest of the loan on schedule, and the original loan interest payable and the loan due have been paid off; If there is no repayment, a repayment plan approved by the lender has been made.
Two, except for natural persons and institutions that do not need the approval and registration of the industrial and commercial departments, the annual inspection procedures shall be handled by the industrial and commercial departments.
3. basic account or general deposit account has been opened.
Four, unless otherwise stipulated by the state, the accumulated amount of overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their total net assets.
Verb (abbreviation of verb) The borrower's asset-liability ratio meets the requirements of the lender.
Six, to apply for medium and long-term loans, the proportion of new project owners' equity in the total investment required by the project is not less than the proportion of investment project capital stipulated by the state.
Please see the sample for details of bank loans.
In fact, the bank statement refers to the certificate issued by the relevant lending bank to the lender after the non-malicious overdue repayment of the loan, which is used to help the lender prove that it is not intentional overdue repayment. So how is the bank loan described? Let's have a look.
Want to know what the bank loan instructions say? The specific explanation template is as follows:
Xxx personal bank loan description
Customer xxx, ID number xxxxxxxx, applied for personal loan in our bank, with the loan amount of RMB xxx (in words? Xxxx), with a term of x years and monthly repayment. Due to xxx's negligence, it failed to communicate with our bank in time, and the interest was overdue. Now that the overdue interest has been fully settled, his behavior is not a malicious breach of contract. This is to certify that.
How to write the reasons for personal borrowing?
Question 1: How to write the reason for the loan? Just according to your actual needs, such as buying a house, buying a car, investing, etc.
Question 2: How to write a personal loan application form for personal loans?
Xx bank:
I am a resident of Guanzhou Town along the Yangtze River and have been engaged in commercial activities for several years. Mainly engaged in cake shops, advertising, building materials, cement wholesale and retail, Heishui Mountain Wangdian quarry factory (joint venture) and other projects. The monthly income of this family is about 20000 yuan. In urgent need, we are now applying to your bank for a personal loan of RMB1200,000 yuan (one million two hundred thousand) with a term of five years. We also agree to mortgage a commercial house (private property) in the municipal center near National Highway 326 in Guanzhou Town, and agree that your bank can inquire personal information from other financial industries to understand personal credit status.
I follow the principle of honesty and credit, open a deposit repayment account in your bank, and guarantee to repay the principal and interest on time. At the same time, I accept all legal collection measures of your bank and voluntarily bear all consequences.
Loan applicant:
Loan guarantor:
Date, year and month
Model application for personal loan II
loan application
Credit cooperative (branch):
Living at home with the loan applicant, ID number (household registration book) and loan certificate number. Now, due to the need of development and lack of self-owned funds, I hereby apply to your company for a loan of RMB for a period of months. Ensure that the loan is repaid on time and used according to the purpose. Please give a solution according to my credit situation.
Applicant (signature):
Date, year and month
Question 3: How to write the loan reason will pass the loan reason without affecting the loan application review.
Question 4: How to write the loan description? You'd better write down the reason, amount (in words and figures), time, repayment time, your own name and the name of the person who lent you the money. It is better to have the name, ID number and fingerprints of the middleman.
Question 5: How to write the loan for private lending?
Borrower: _ _ _ _ _ _ _ ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Lender: _ _ _ _ _ _ _ IDNo.: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Because _ _ _ _ _ _ _ _ yuan is exactly the same.
1. Term of the loan: (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
2. Loan interest: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
3. Liability for breach of contract: If _ _ _ _ _ fails to repay the loan on time, it shall bear the liability for breach of contract, and both parties agree that the liquidated damages shall be RMB (in figures): RMB only; (in words): RMB Yuan only.
4. Borrower's identity certificate: A copy of the ID card provided by the borrower (with signature and fingerprint) is pasted on the receipt.
In case of special circumstances during the performance of the contract, both parties shall settle them through friendly negotiation; If negotiation fails, it can be submitted to _ _ _ _. The two sides voluntarily reached the above agreement, and their words are not sincere. This is a special loan to prove it.
Borrower (signature and handprint): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Contact address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Tel: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Witness (signature and handprint): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Contact address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Tel: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _
Date of issue of IOUs: YY.
Note: People can agree that the domicile of two grassroots people is lender or borrower.
Question 6: How to write a personal loan application for reference ~ ~ The employee's personal housing mortgage loan needs to bring the following information: 1, employee's personal housing mortgage loan application; 2. Certificate from the unit to the individual; 3. Copy of the borrower's ID card (original); 4. Copy of the borrower's household registration book (original); 5.( 1) To purchase 100% of the property rights, you need to bring a copy of the Approval Form for Preferential Sale of Houses and fill in the Certificate of Mortgage of Property Rights and Interests of Individual Housing Loans for Employees in this Municipality; (2) To purchase 33% of the property rights, you need to bring a copy of the Calculation Form for Compensation of Common Property Rights, and attach a copy of the borrower's 67% private property rights certificate; (3) To purchase affordable housing (affordable housing), you need to bring a copy and original of the pre-sale contract of the housing project (affordable housing). 6. Copy of the receipt that the borrower has paid more than 30% of the house purchase price; 7, the unit should be the unit housing provident fund exchange, withdrawal, loan and house payment account to write a total certificate. The borrower's unit should pay attention to three points: 1. The total loan amount of all borrowers of this unit shall not exceed 80% of the total housing provident fund in the current month; 2. The personal loan shall not exceed 70% of the purchase price (100% of the property right or 33% of the property right), with a maximum of 20,000 yuan. The purchase of affordable housing (affordable housing) can appropriately increase the loan amount. 3. The loan amount should be kept as an integer of 100. If the employee needs a loan of 17872.33 yuan, it should be 17800 yuan, and the remaining 72.33 yuan can be paid by the employee himself. Employee's Personal Housing Mortgage Loan Application City Housing Fund Management Center: I am an employee of this unit, and I have been approved to purchase a set of apartment with unit floor number in Building (Anjufang, affordable housing) 1, with a construction area of square meters and a house price of RMB. The house has been paid RMB, but the RMB hasn't arrived yet. According to the relevant provisions of the Interim Measures for the Revision of Personal Mortgage (Entrusted) Loans for Employees in this Municipality, I meet the conditions for applying for loans, and now I apply for a house purchase loan with a term of years. I am willing to repay the principal and interest on schedule in the form of equal monthly payment. The unit deducts the loan principal and interest from the salary every month, and uses the purchased property as collateral, and our unit provides guarantee. Please review and approve. Loan applicant: Certificate from the Housing Provident Fund Management Center of, month, month, month, month, that he is an employee of our company, and the monthly income of both husband and wife is RMB. This comrade participated in the housing reform of our company and paid the housing provident fund, the account number of which is RMB. My unit is willing to vouch for this comrade. The official seal of the company of the Municipal Housing Provident Fund Management Center proves that the balance of the housing provident fund of our company is RMB as of the date of, and 20 employees have withdrawn the housing provident fund in RMB. At present, 100 employees need to apply for RMB housing mortgage loans, and the borrower has raised RMB for house purchase, accounting for% of the total house purchase. The loan amount of the above borrowers can be transferred to our house purchase account, and the house purchase account number is. At the same time, our unit guarantees that the total personal loans of employees do not exceed 80% of the total housing provident fund. This is to certify that. Company official seal: year month day.
Question 7: What is the reason for commercial loans? To write an application for family difficulties subsidy within 100 words, you must first explain your study situation. After all, hardship allowance is to help students who are interested in learning, such as
Question 8: How to write an application for personal loan?
Bank of China Branch (Sub-branch):
I am a staff member of a department (unit), and my current position is procurement, with an average monthly income of RMB.
A set of commercial house (shop) developed by (company), with the property number of, is now applying to you for a mortgage loan of RMB10,000 yuan a year, and agrees to mortgage the purchased property to your unit (bank) as a guarantee for repaying the loan under the loan contract signed with your unit (bank); I agree that your company (bank) can inquire my information through the personal credit information system of the People's Bank of China to understand my credit status. Based on the principle of honesty and trustworthiness, I declare that this property is the first house purchased by family loans (excluding provident fund loans).
I have opened a repayment account (account number:) in our bank (branch) as required by your bank, and promised to deposit the current principal and interest in full before the repayment date of each installment and the loan maturity date, and at the same time authorized the lender to deduct the loan principal and interest (including overdue interest and penalty interest) from this account on the monthly repayment date and loan maturity date; If I change the repayment account, I will provide the new account information in time; If the account funds are insufficient and the loan is in arrears, I accept all legal collection measures of your unit (bank) and voluntarily bear all consequences.
Applicant (signature and fingerprint):
Valid ID number:
Date, year and month
Question 9: How to write the IOU? The Borrower, the Guarantor and the Mortgagor shall carefully read all terms and conditions of this Contract, especially those in bold type. If you don't understand the terms, you can ask the lender and the lender will explain. Once the Borrower, the Guarantor and the Mortgagor sign this Contract, it shall be deemed that the Borrower, the Guarantor and the Mortgagor have understood and agreed to all the terms of this Contract.
In accordance with relevant laws and regulations, on the basis of equality and voluntariness, in order to clarify responsibilities and abide by credit, all parties to this contract signed this contract through full consultation and promised to abide by it together.
Loan terms
Article 1 the loan amount. According to the borrower's application, the lender agrees to issue personal loans (hereinafter referred to as loans) to the borrower after examination, with the amounts of RMB (in words) and RMB (in figures).
Article 2 the purpose of the loan. The loan is used for. The borrower shall not use the loan for other purposes for any reason. If the borrower fails to use the loan according to the purpose agreed in this contract, the lender has the right to charge a penalty of% at the loan interest rate agreed in this contract from the date of misappropriation. If the loan interest rate agreed in this contract is adjusted, the penalty interest will be charged in installments.
Article 3 loan interest rate. According to the relevant regulations of the People's Bank of China, the loan interest rate is determined as the monthly interest rate ‰, and the interest is calculated from the date of loan issuance and settled on a monthly basis. If the loan term is less than 1 year (inclusive), the above loan interest rate is fixed. Regardless of whether the legal interest rate is adjusted or not, the interest rate agreed in this contract shall be implemented, and interest shall not be calculated by segments; If the loan term exceeds 1 year, the aforementioned loan interest rate will be fixed for one year, and the execution interest rate will be determined according to the legal interest rate on the day of loan issuance every year, and the lender will announce the adjustment of the legal loan interest rate in the business premises.
Article 4 The term of the loan is (months), from (year) to (year). The actual lending date and maturity date shall be subject to the loan receipt, which is an annex to this contract and has the same legal effect as this contract.
Article 5 The Borrower irrevocably authorizes the Lender to transfer the loan to the account opened by the Borrower in the bank (bank:; Account number:), which is used to pay for the purposes listed in Article 2 of the Contract. The above behavior is regarded as the borrower's withdrawal, and the lender has the right to supervise the use of the loan.
Article 6 The lender and the borrower agree that the borrower shall repay the principal and interest of the loan on a monthly basis (except for one-time principal and interest repayment) from the month following the loan issuance, and the repayment date shall be the day of each month. The Borrower voluntarily repays the principal and interest of the loan in the following ways (if the lending date is different from the deduction date, the first and last repayment amounts shall be calculated according to the actual days):
(1) Equal principal and interest repayment method: the monthly principal and interest repayment amount is RMB;
(2) Average principal repayment method: in the first phase, the principal and interest are repaid, and the interest decreases month by month;
(3) Repaying the principal and interest in one lump sum at maturity;
Article 7 The borrower shall open an account, account name and account number in China Bank, and guarantee to deposit a deposit with full repayment of principal and interest in the current period before each repayment date, and at the same time authorize the lender to deduct the loan principal and interest from the account on the repayment date of each month. If the funds in this account are insufficient to repay the current payment, the lender may use the loan creditor's rights to offset the funds opened by the borrower in other accounts. If the account currency is different from the loan currency, it shall be converted at the exchange rate published by the People's Bank of China on the offset date. The Lender shall notify the Borrower of the above deduction.
Article 8 The borrower shall repay the loan principal and interest on schedule. If the borrower fails to repay the loan principal and interest as agreed in this contract, the lender has the right to collect the overdue loan principal and interest at the interest rate agreed in this contract from the overdue date. If the loan interest rate agreed in this contract is adjusted, the penalty interest will be charged in installments. If the borrower overdraws by using the Great Wall Credit Card to repay the loan principal and interest, it shall immediately and unconditionally repay the overdraft principal and pay the overdraft interest according to the credit card overdraft interest rate. Lenders have the right to directly collect money from borrowers in the way of recovering credit card overdrafts.
Article 9 If either lender or borrower needs to change the loan terms of this contract, it must notify the other party in writing, and it can only be changed after both parties reach a written opinion through consultation and obtain the written consent of the guarantor. Unless otherwise agreed in this contract.
Article 10 The relevant expenses required for the conclusion and performance of this contract shall be borne in the following ways:
Mortgage clause
Article 11 The mortgagor voluntarily mortgages the property that he has the right to dispose of to the lender (i.e. the mortgagee) as a guarantee for repaying the loan under the loan terms of this contract, and guarantees to bear legal liabilities. For details of the collateral, please refer to the List of Collaterals attached to the Contract.
Article 12 The scope of mortgage guarantee includes loan principal, interest (including penalty interest calculated according to Article 2 of this contract and penalty interest calculated according to Article 8 of this contract) and loan repayment. ......
How to write the loan instructions?
Question 1: How to write the loan description? You'd better write down the reason, amount (in words and figures), time, repayment time, your own name and the name of the person who lent you the money. It is better to have the name, ID number and fingerprints of the middleman.
Question 2: How to write an IOU Hello:
The description of the loan depends on whether you write it from the creditor's point of view or the debtor's point of view, and the specific purpose. If you are a creditor, in order to protect your rights, you need to ask the debtor to specify the time, amount and method of borrowing, as well as the corresponding interest and default liability for overdue repayment, and then let him sign it.
Question 3: How to write a statement about outstanding loans?
This is to certify that XXX borrowed RMB from X on X, X, and it has not been returned to XXX.
Creditor:
Date:
Question 4: How to write down the loan amount, loan term, interest rate, etc. In the loan description, let the borrower sign and seal and leave a copy of the ID card. It is best to transfer the loan to the borrower's bank account.
Question 5: When you borrow money from a bank, what is the purpose of the loan?
Source of repayment
safeguard measure
Question 6: How to write personal information when borrowing from a bank? This is a fixed form of bank. Just fill it out as it is, and you don't need to write it on another piece of paper.
Question 7: How to explain the overdue mortgage? Submit a letter
Bank:
I applied for a housing mortgage loan in your bank on, and I have been repaying it on time, strictly fulfilling my repayment obligations. However, in the last repayment, I was on a business trip in other places, which caused the monthly payment not to be repaid in time. However, after I came back from a business trip, I deposited the arrears in time, which really caused great inconvenience to your work and greatly affected my personal reputation. Considering the special situation that my arrears are not malicious and I repay them in time afterwards, I hope your bank can give me a discount to lower the loan interest rate this time.
We apologize for the inconvenience caused by Mr. Hai to your bank.
. . . . A few tears.
Cavan
Date, year and month
Question 8: How to handle the company's borrowing from a legal person? How to write the voucher is the same as borrowing from others. The company issues receipts to record other legal persons payable. If there are no additional conditions for a general loan (such as whether to pay interest, how much interest, and the repayment time), don't write a certificate.
Question 9: The company needs a loan, and the bank requires the company to declare its assets. How to write? What is the format? 1, real estate. It must be the property right of the legal person, and the existing value of the property needs to be evaluated according to the market valuation.
2. cars. The head of the household must be the legal person himself, and the current price is estimated after depreciation according to the original purchase price.
3. Valuable certificates. Fund, stock, gold account, the same market valuation.
4. Realizable high-priced real estate. Antiques, artworks and other collectibles (identification certificate or purchase certificate issued by auction house is required).
5. Corporate foreign investment. For example, a legal person is also a shareholder of another company and needs to provide a capital verification report and unit certificate.
note:
1. If the company is a sole proprietorship enterprise, the registered capital shall be stated.