Can repaying the entrusted loan be used as a bank loan?

1. Can the repayment of entrusted loan be used as a bank loan?

Under normal circumstances, most loans must be used for legitimate business purposes and cannot be directly used to replace other loans. Commercial property loans are excluded, but the scope of application is relatively narrow.

PS: Commercial property mortgage loan can be used for business capital requirements such as maintenance, renovation, decoration and investment promotion. The capital demand of commercial property during the operation period and other legal capital demand arranged by the borrower as a whole, including the replacement of debt funds such as bank loans and shareholder loans and funds exceeding the prescribed proportion of project capital during the property construction period, shall not be used to replace non-performing loans.

2. Can the entrusted loan be used for the payment of bank acceptance bills?

can

Generally speaking, entrusted loan funds can be used for bank guarantee, because as long as the entrusting party agrees, its use is not restricted by bank supervision; If ordinary short-term circulating loan funds are used to repay entrusted loans, the general banks will review the purpose of the original entrusted loans when examining and approving them.

3. 18 What are the payment methods?

Whether to use cash can be divided into cash payment and transfer payment;

From the purpose of payment bill, it can be divided into: transfer check payment, remittance payment, wire transfer payment, entrusted bank payment, commercial acceptance bill, bank acceptance bill and cashier's check;

Judging from whether there is a time agreement for payment, it can be divided into: one-time payment and installment payment;

From whether to pay the account opening institution, it can be divided into counter payment and online payment.

4. What kind of loan is the bank acceptance bill loan?

Bank acceptance bill is a kind of long-term payment bill issued by the bank entrusted by the payer. A bank with a sight bill is a long-term payment bill issued by the payer, which is low because it has not passed the acceptance bill.

The maximum term of two bills is six months, and the bill term is allowed. We usually encounter bank acceptance bills. Loans in the form of discounted bank acceptance bills.

Extended data:

Classification:

Bills of exchange and commercial acceptance bills. At the same time, according to the existing forms, bills can be divided into paper acceptance bills and electronic acceptance bills.

The bank acceptance bill was written by the creditor. When this bill is promised by the bank, it becomes a bank acceptance bill. As a short-term financing tool, bank acceptance bills generally range from 30 days to 180 days, and 90 days is the most common. Bank acceptance bills are issued by depositors who open deposit accounts in the acceptance bank.

Accepting a commercial bill issued by the drawer is the credit support given by the bank based on the recognition of the drawer's credit standing. The maximum face value of bank acceptance bills in China is 65.438+0 billion yuan (the face value encountered in practice is 65.438+0 billion yuan).