The bank suddenly asked to settle the loan! What should we do?

Recently, China Banking and Insurance Regulatory Commission has made a thorough investigation on the use of the loan, but the use has not been properly handled. The loan funds already obtained will be forcibly recovered by the bank, requiring settlement, and penalty interest will be added.

Recently, many customers reported that they received the message: "Please upload the use certificate within one month after the loan is issued, otherwise, the Bank has the right to require the loan to be settled in advance and impose a penalty interest."

Some customers directly received the short message: "Dear customers, hello! The illegal use of the loan you recently applied for has been monitored by the system to be used to repay the loan by loan or to flow into the illegal areas stipulated by the Banking Insurance Regulatory Commission, such as real estate and stock market. Please settle all illegal consumer loans within three working days after receiving the SMS. "

anyone who has made loans will know that loans are for loan purposes. At the same time, all the loan funds can't be used for buying a house, trading stocks, repaying credit cards, investing in antiques, flowing into private lending and other fields and industries that are explicitly prohibited or restricted by the state. Otherwise, the bank has the right to demand immediate repayment and settlement of the loan.

banks have such requirements and such requirements. How should we face and deal with it?

first, we should avoid improper use of loans. Especially the mortgage. The real estate mortgage in Shenzhen is tens of millions at every turn. If you don't pay attention to the reasonable use of the loan, it will definitely go wrong easily. Consumer loans, we generally say, are used for house decoration, buying high-end furniture and household appliances, or buying luxury goods. Because the amount is relatively small, it is easy to solve. However, if the mortgage amount of real estate is huge, then a reasonable loan purpose is needed, and at this time, completely asymmetric loan purposes can no longer be provided < P > Second, actively cooperate with the inspection and supervision of the bank account manager. Generally speaking, even if the bank finds your investment, or false information, it will warn you before taking action; If improper use is found, you will be asked to fill in the loan purpose first (provide a valid invoice). As long as you are not too blatant, you will use the money illegally as soon as you get it. Basically, with reasonable planning, the bank will still turn a blind eye. Therefore, providing a reasonable purchase and sale contract before the loan, and actively cooperating with the inspection and supervision of the bank account manager later, generally speaking, there will be no problem.

Third, abide by national laws and regulations, and don't do anything that violates national laws and regulations, break the law, and don't get involved in "pornography, gambling and drugs", and don't get involved in legal disputes and lawsuits easily. Because once the bank finds out that you have violated the law and involved in a large amount of economic disputes, the bank will also ask you to settle the loan in advance for the safety of the loan funds.

fourth, repay the loan on time, and don't deliberately overdue it. At present, the country has entered the credit society in an all-round way, and all bank loans will be reported to the Credit Information Center of the People's Bank of China every second. Therefore, once overdue, the credit report will immediately show overdue. And the bank will manage the loan on a regular basis, and it will also check your credit report regularly. Once a major overdue is found, the bank will also check it. In order to avoid risks, you will also be required to settle in advance. After all, banks are also profit-oriented financial institutions. If they find risks, they will only "add insult to injury" instead of "offering timely assistance". Of course, once there is economic tension, it is best to communicate with the bank in advance to apply for deferred repayment.

5. Don't suddenly increase too much debt. Many banks assess the debt ratio of customers. If the debt of customers increases sharply, banks also consider risk control. In particular, a lot of small online loans with high interest rates have been added. Then customers can easily enter the endless cycle of raising loans with loans and become high-risk customers. If the debt is high, the interest on the amount to be repaid every month will be much higher. If the customer can't afford it, it will easily lead to overall overdue.

in the first half of this year, the state sealed up a large number of corporate accounts, and the supervision on the flow of funds was particularly strict. At present, all cash withdrawals of more than 2, yuan in Shenzhen must be made in advance and registered for use (interested friends can read my article a few days ago for a special introduction, but not here). Even cash withdrawals have to be supervised, not to mention large loan funds.

Therefore, going to the bank to make a loan does not mean that the money can be used once and for all. It is also very necessary to use the loan funds rationally in the later period and repay the loan on time to ensure a good record of using the money. Every loan bank will be systematically tested and supervised by China Banking and Insurance Regulatory Commission, so don't take any chances, otherwise, if you don't pay attention, the bank will ask for the recovery and settlement of the loan, which will outweigh the benefits.