What's the best way to write the loan reason?

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 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 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. ......

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.

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.

How to write the reason for the loan?

Fill in the reasons for the loan need to include clear personal identity information such as name, gender, age and family information, and also need to state the legitimate reasons for the loan, such as buying a house, buying a car, decorating, and operating the company. In addition, it is also necessary to describe the individual's repayment ability, as well as the expected loan amount and repayment period and other related information.

Brief introduction of bank loan

Bank loans refer to loans granted by major commercial banks to borrowers according to national policies and certain interest rates. When issuing loans, banks usually agree with borrowers on the corresponding repayment interest and repayment period, and banks will require borrowers to provide guarantees and mortgages, as well as personal income certificates and good personal credit reference certificates. When a borrower applies for a loan, it needs to have legitimate reasons and clear reasons, and it needs to explain the purpose of the loan in detail, and state that the individual has sufficient repayment ability and sufficient collateral. When the borrower fails to repay the loan and the corresponding interest in time, it will have a negative impact on personal credit information.