I found a loan from a guarantee company and submitted an application. The guarantee company informed me that the bank passed the examination, but I had to pay the guarantee fee before I could apply fo

I found a loan from a guarantee company and submitted an application. The guarantee company informed me that the bank passed the examination, but I had to pay the guarantee fee before I could apply for a loan. First of all, it depends on what kind of loan you are making. If it is a personal loan, you will usually contact the bank when collecting money. Personal loans generally appear in the second-hand housing mortgage loan guarantee and personal consumption loan guarantee as a guarantee company. If you have not contacted the bank or inquired about personal credit, it is recommended not to pay. If it's corporate financing, don't pay it. Corporate financing is now basically working capital loans. This is to contact the bank to submit the information first, and the bank will have a special account manager to communicate with you, do due diligence, and propose a rectification plan (generally, adjust the statements to measure the liquidity demand. Review promotional materials). Before the guarantee company guarantees, the collateral is not good or the value is not enough. The simplest thing is to look at the business license of the guarantee company and pay attention to the registered capital and business scope. The threshold for the registered capital of a formal guarantee company is more than 20 million yuan. The business scope in the business license requires financial guarantee services.