Joke Collection Website - Mood Talk - The reason for applying for a loan is simple.

The reason for applying for a loan is simple.

What is the reason for applying for a loan?

The reason for the loan must be legal and reasonable. The general reasons are buying a car, going to school, buying a house, decorating and so on. The reason for the loan should be frank and clear according to your actual needs, and write down the purpose of the loan.

Loan is a form in which banks or financial institutions lend monetary funds according to certain interest rates and repayment conditions. Banks can put concentrated money and monetary funds out in the form of loans, which can promote economic development; At the same time, banks also get interest income from loans, which increases their own accumulation.

How to write the reasons for loan application?

The reasons for the loan must include the applicant's identity information, work situation, family status, etc. , and then statistics of the reasons for the loan. Usually, the most common loan reason is consumer loan, which is mainly suitable for home improvement, marriage, tourism and so on. Many banks have special loan products to choose from, and some banks need to provide corresponding basis. Another reason is that because of operating loans, borrowers who choose to operate loans need to issue business licenses and other documents, and provide effective business certificates. The last reason is credit lending, which mainly depends on customers' credit information.

Reasons for refusing loans

If the borrower is short of money, then choosing the loan method can help solve the urgent need. No matter whether the borrower borrows from banks or financial institutions, the explanation of the reasons for borrowing shall not indicate repayment by loan. Although it is the initial intention of users to help them reduce part of the loan burden, most banks will refuse it on the grounds that borrowers are unable to repay. In addition, the reason for borrowing cannot be written as investment and financial management, which is risky and banks or financial institutions will not give money to high-risk people. Usually the reasons can be written as consumption, education, tourism, etc.

How to write the loan reason?

Personal reasons for applying for bank loans must be legal and reasonable. You can fill in the reasons for applying for a loan according to your recent situation. The general reasons are buying a car, buying a house, decorating or purchasing goods. Banks will not be too demanding. Don't fill in the reason for repaying the debt. Banks can't judge the risk after borrowing and will refuse the loan application.

The loan reason must be filled in according to the most common. Don't make up some reasons. Banks take reasons as the judgment of application, so they must be standardized and reasonable.

Extended information:

Short-term loan classification description

1. Operating revolving loan: also called productive revolving loan or commodity revolving loan. Loans issued by enterprises to banks or other financial institutions because their working capital cannot meet the needs of normal production and operation. When handling loans, enterprises should submit annual and quarterly loan plans to banks in accordance with relevant regulations. After the approval of the bank, the borrower of the loan plan shall handle the loan according to the loan receipt.

2. Temporary loans: short-term loans allocated by enterprises due to seasonal and temporary objective reasons when the normal liquidity cannot meet the needs and exceeds the production turnover or commodity turnover. Temporary loans shall be subject to the method of "fixed loans by loans". Generally, the loan term is 3 to 6 years, which is used for specified purposes and returned according to the accounting period.

3. Settlement loan: when the sales payment is settled by collection and acceptance, the amount borrowed by the enterprise to meet the funds needed in transit after the goods are sent out and before the payment is received. If an enterprise collects loans from the bank within the specified time limit after delivery (usually 3 days, but not more than 7 days under special circumstances), it may apply for collection and acceptance to settle the loans. The loan amount is usually calculated according to the collection amount and the agreed discount rate, which is roughly equivalent to the cost of goods sold plus prepaid freight and miscellaneous fees. After the enterprise's payment is recovered, the bank will deduct its loan by itself.

4. Discounted loan for bills: holders of bank acceptance bills or commercial acceptance bills may apply for floating discount loans when their business turnover is difficult, and the term generally does not exceed 3 months. If the current loan amount is generally the floating face value minus the discount interest, then the discount loan interest is the bill discount interest, and the bank will deduct it in advance when discounting.

5. Seller's credit: Enterprises whose products are included in the national plan and whose quality is in the leading position in the whole country apply for loans from banks because of the approval of installment sales and insufficient production and operation bonuses. Such loans should be repaid in installments according to the progress of payment recovery, and the term is generally 1 to 2 years.

6. Pre-deposit loan: the funds borrowed by commercial enterprises to issue pre-deposits to banks for purchasing agricultural and sideline products. Such loans are issued according to the varieties stipulated by the state and the approved plan standards, and special account management is implemented. The longest loan period is no more than one year.

7. Special reserve loan: the money borrowed from banks by commercial wholesale enterprises approved by the state for reserve commodities. This kind of loan must be earmarked, and the loan period is determined according to the approved reserve period.

Reasons for applying for a loan

Many people often neglect to fill in the reasons for applying for loans when applying for loans, thinking that lending institutions will not care about the reasons for loans. This understanding is wrong. For the applicant's loan application, the lending institution first looks at the reasons for the lender's application, that is, the purpose and purpose of the loan. If the reason and purpose of the loan do not meet the positioning of the loan product, the application will basically be rejected directly. How to write the reasons for applying for a loan? Let's talk about it.

First of all, the reason for applying for a loan is reliable and true, not fancy and irrelevant. For ordinary bank loans or small online loans, most of the reasons for applying are to solve the current difficulties and achieve immediate goals. Don't write some empty and unattainable goals, which will make lending institutions feel that their loans are "meat buns and dogs, and there is no return."

Secondly, applying for loans should be "adapted to local conditions". For example, if you apply for a student loan, you should explain that your family conditions are not good and emphasize that you want to pursue further studies. For housing loans, banks pay more attention to the lender's willingness to repay, so they need to write clearly in their reasons that they have the ability to repay and are trustworthy people.

Finally, the reason for the loan should be "precise" and "accurate". The reasons for borrowing don't need to be comprehensive, and lending institutions are easy to catch mistakes and may expose too much private information. Besides, lenders just want to know why, not to hear stories. In addition, the reasons for the loan should be expressed accurately, and there is no need to beat around the bush.