(1) what are the conditions for personal credit loans?

Personal credit loan application conditions:

1. Open a personal settlement account in a loan bank;

2. Have a good occupation with a just and stable income and the ability to repay the principal and interest of the loan on schedule;

3. Obtain a personal credit rating of Grade A or above in the loan bank;

4. Abide by laws and regulations, and have no illegal acts and bad credit records;

5. China citizens who have permanent residence in China, permanent residence in local towns and have full capacity for civil conduct;

6. Other conditions stipulated by the bank.

When banks apply for personal loans, banks have requirements on the use of loan funds. The general bank will stipulate that the loan applicant shall not use the loan funds in the production, operation and investment fields explicitly prohibited by the CBRC, and the borrower shall provide proof or statement of the use of the funds.

(1) Transfer voucher restricts extended reading.

Matters needing attention in handling personal credit loans

1, must have a good personal credit record.

Credit loan does not require the borrower to provide any collateral, but a loan applied on the basis of personal credit. Therefore, lending institutions will focus on the personal credit of borrowers when approving loans. If there is a record of overdue repayment, the loan application is likely to be rejected.

2. Understand the loan related matters.

Before applying for a loan, the borrower must find out what the credit loan conditions are, how to implement the loan interest rate, what the loan term is, and what the repayment methods are, so as to achieve twice the result with half the effort.

3. Find out the loan cost

The charging standards of different lending institutions are different. Generally, banks only charge interest, but some loan companies charge a certain management fee in addition to loan interest. Therefore, before lending, the borrower should consult the lending institution of his choice about how to charge.

(2) After entering this voucher, the system told me that if it does not meet the loan, I will unconditionally. How to modify, ask for help.

When the voucher is saved, an error message box pops up, prompting "unconditional loan is required if it is not met". This version of information shows that users have previously set restrictions on different types of vouchers, and specified the corresponding types of restrictions and restricted accounts. In this way, when filling in the voucher, the system will judge whether the voucher content meets the restriction conditions according to the set voucher category. Otherwise, a similar error message will appear. For this kind of problem, the user should first carefully check whether the selected voucher category is consistent with the input business content according to the prompt information, and then further judge whether it is the wrong voucher category setting or the wrong subject selection.

You selected transfer voucher as voucher type, and the restricted type of transfer voucher should be required voucher, and the restricted accounts are 100 1, 10020 1, 100202, that is, these three accounts cannot appear in voucher lending. However, the lender of this voucher appeared 10020 1 (bank deposit account), which obviously violated the set restrictions. So this problem is caused by the wrong voucher category setting. According to the business content, the voucher type should be "payment voucher" instead of "transfer voucher". The problem should be solved after the voucher type is corrected.

③ Credit card processing of China Merchants Bank

According to Article 7 of the Credit Card Charter of China Merchants Bank (Ninth Edition):

China residents who have reached the age of 18 and have full capacity for civil conduct and good credit standing, foreigners with full capacity for civil conduct and compatriots from Hong Kong, Macao and Taiwan with full capacity for civil conduct can apply for personal credit card master cards with their valid identity documents.

Personal cardholders can also apply for supplementary cards for specific natural persons with full civil capacity or natural persons with limited civil capacity. Supplementary card application materials must be confirmed by the main card holder by personal signature, customer service telephone recording, electronic signature or the way recognized by both the cardholder and the card issuer. The main cardholder can apply for cancellation of the supplementary card at any time.

The cardholder of the secondary card and the cardholder of the primary card * * * use the same account credit line, and the cardholder of the primary card can set the usage limit of the secondary card in a billing cycle within the account credit line. All transaction funds and corresponding interest and expenses of the main card and the auxiliary card are recorded in the same account, and the cardholder of the main card is responsible for all debts incurred under the main card and the auxiliary card.

(3) Transfer voucher restricts extended reading:

Relevant clauses of China Merchants Bank Credit Card Charter (9th Edition):

Article 11

IC cards of some card issuers not only support credit card accounts, but also support electronic cash accounts. Electronic cash account has all or part of the functions of electronic cash account transactions, such as small quick payment, balance inquiry and recharge, but it does not have other payment and settlement functions, such as overdraft, transfer and cash withdrawal.

E-cash account is anonymous, without loss reporting, interest payment and statement. Unless otherwise specified, all transactions mentioned in the Articles of Association are credit card account transactions.

Article 12

Guarantee methods include: guarantee, mortgage and pledge. Where a guarantee is provided, the relevant parties shall sign a corresponding guarantee contract separately. The scope of guarantee covers all debts incurred under the cardholder's credit card (including but not limited to the principal and interest, liquidated damages, various handling fees and recourse fees for overdraft within the account credit limit and overdraft outside the account credit limit).

Article 13

After receiving the credit card, the cardholder shall immediately sign the same signature as the application form in the signature column on the back of the credit card, and use the same signature when using the credit card transaction, otherwise the losses arising therefrom shall be borne by the cardholder, unless otherwise agreed between the cardholder and the card issuing institution or stipulated by the accepting institution or bank card organization.

Some specially designed cards don't need to be signed on the back of the credit card, but they can be used normally after a password is set. The cardholder can set the password through the channel designated by the card issuer.

(4) Can I get a third provident fund loan?

You can't.

A house can only be used for provident fund loans, and newly purchased houses can also apply for provident fund loans. But the answer is that for the number of housing units, the first and second housing units can use provident fund loans, and the third and above housing units cannot use provident fund loans.

(4) Extended reading of transfer voucher restrictions: Article 24 of the Regulations on the Management of Housing Provident Funds.

In any of the following circumstances, employees may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.

In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time.

If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account shall be included in the value-added income of the housing provident fund.

Regulations on the Administration of Housing Provident Fund-Online Edition

⑤ Set voucher categories with and without vouchers. What are the restricted subjects?

1. Voucher category setting is not limited: during voucher preparation, this kind of voucher can be entered by users using all legal accounts, which can be accounts of any level, separated by commas, and can be entered by reference, but cannot be entered repeatedly.

2. Voucher category setting is necessary: during voucher preparation, this kind of voucher cannot have restricted accounts, whether it is debit or credit.

3. Voucher category setting Voucher must exist: this type of voucher, whether debit or credit, has at least one restricted account during voucher preparation.

(5) Transfer voucher restricts extended reading:

I. Voucher Classification

It can be divided into original vouchers and accounting vouchers. The so-called original voucher, also known as voucher, is a kind of voucher filled in when the economic business event occurs or is completed, which is used to prove that the economic business event has occurred or been completed, clarify the economic responsibility, and serve as the original basis for bookkeeping. It is important information for accounting.

The so-called proof of charge to an account refers to the accounting certificate that accountants classify according to the content and nature of economic and business matters according to the original documents and relevant materials that have been verified without error, and determine accounting entries as the basis for registering accounting books. In the whole accounting process, accounting vouchers are the first pass. If the vouchers used are false or illegal, then the whole accounting can't be true.

Second, set the voucher category.

After the voucher category setting is completed, the user needs to set the voucher category restriction conditions and restricted subjects to form the voucher category verification standard for the system to enter and verify the bookkeeping voucher of the registrant, so as to check whether the voucher information of the registrant matches the selected voucher category.

In accounting software, the system usually provides restrictions including debit, credit, voucher, voucher and so on. An account with limited voucher type refers to an account limited to this voucher type. When entering accounting vouchers, if the entered accounting vouchers do not meet the restrictions or restricted subjects set by the user, the system will prompt an error and ask for modification until they meet the requirements.

⑥ What is commonly used to set the restricted account of transfer voucher in voucher category?

The borrower of the receipt must have a cash or bank deposit account.

Lenders of payment vouchers must have cash or bank deposit accounts.

Vouchers that do not involve cash or bank deposits are used as transfer vouchers.

Category Words Category Name Restriction Type Restriction Account

Debit of receipt voucher must be 100 1, 1002.

The credit of payment voucher must be 100 1, 1002.

Transfer voucher must be 100 1, 1002.

⑦ Under what circumstances can housing accumulation fund be withdrawn?

The common ways are buying a house, renting a house, retiring, completely losing the ability to work and terminating the labor relationship with the unit, leaving the country to settle down, enjoying the minimum living guarantee for residents in this city, and terminating the labor relationship with the unit in this city according to the specific circumstances.

Details are as follows:

1. Individuals who deposit provident fund can use provident fund loans.

2, commercial loans to buy a house, should bring the original housing loan contract, the original repayment certificate issued by the bank to the provident fund management center to withdraw the balance of the account application.

3. When renting a house in this city, you can apply for the withdrawal of provident fund housing with the housing lease contract, proof of no housing and other materials.

4. After retirement, you can apply for withdrawing the balance of the provident fund account. You need to bring the original divorce (retirement) certificate or the original divorce (retirement) approval form approved by the labor and personnel department at or above the district (city) level when applying.

5. If you completely lose your ability to work and terminate your labor relationship with the unit, you can withdraw the balance in the provident fund account.

6. If you live abroad, you can withdraw the balance of the provident fund account.

7, enjoy the minimum living guarantee for urban residents, you can withdraw the balance of provident fund.

8. If you have not been re-employed for more than 2 years after terminating the labor relationship with this city, you can withdraw the balance of the provident fund.

9. If the household registration moves out of this city or the household registration is not in this city, and the labor contract is terminated with this city unit, if the household registration moves out of this city, the balance of the provident fund account can be withdrawn.

10. If I or my relatives are seriously ill, I can withdraw the balance of the provident fund.

1 1. When migrant workers terminate their labor relations with their units, they can withdraw the balance of their provident fund accounts.

12. If the depositor dies or is declared dead, the heir or legatee may withdraw the balance of his provident fund.