Shanghai, a big city, has a very developed economy, so the demand for funds will be even greater. Relatively speaking, the demand for loans has also increased. So, are the loan companies in Shanghai reliable? What are the regular loan companies?
Its formal Shanghai loan company is absolutely reliable. Formal Shanghai loan companies are permitted by law, and the conditions for the establishment of non-bank financial institutions approved by the industrial and commercial departments are also very harsh. Therefore, there are still relatively few formal companies.
But in Shanghai, many swindlers cheat under the banner of the company, which makes people suffer. To judge the authenticity of a loan company, we need to start with its business qualifications.
What are the loan companies in Shanghai?
1, Shanghai Atlantis Financial Services Co., Ltd. This is a formal and reliable financial services company with a national license and a highly specialized business team. Compared with other small loan companies, the credit loan amount is also higher and the lending speed is very fast.
2. Shanghai Qian Sheng Loan Company. The company is a financial service company, providing loan guarantee and other loan guarantee services. If you want to apply for personal consumption loans or credit loans, you can find this company, which is headquartered in Pudong, Shanghai.
3. Shanghai and Hongkong Bank. Open a company to handle personal loans and corporate loans. The amount of personal loans is between 1 0,000-300,000, with annual interest rate of 10% and monthly interest rate of 1%. The loan amount of enterprise loans is between 654.38+ ten thousand and 654.38+ten thousand, and the monthly interest rate is 654.38+0%.
4. Shanghai Pudong New Area Changjiang Dingli Co., Ltd. is a new rural quasi-financial institution initiated by private capital with the approval of the Financial Office and according to the Guiding Opinions of the China Banking Regulatory Commission and the People's Bank of China on Company Pilot. The registered capital of the company is 1 100 million yuan.
How to deal with individuals in Shanghai?
If you want to apply for a loan, please choose the formal channel. If you need to apply for a small cash loan, China Merchants Bank launched a lightning loan business. At present, you can apply through mobile banking, and you can also check whether you are eligible to apply.
1. After the lightning loan is released, the cash will be released to the designated account. Funds can only be used for normal bulk consumption and transfer, and may not be invested or flowed into the stock market or real estate.
2. If you have a savings card of China Merchants Bank, you can log in to mobile banking and click "My → All → Loan → Flash Loan" to apply for flash loan. Your specific quota will be verified according to your business situation in China Merchants Bank, and you can check it after your application is successful.
3. Different types of lightning loans have different quota regulations. Generally, the maximum credit line does not exceed 300,000 yuan, subject to the loan page. If you have obtained the qualification of lightning loan, you can log in to the mobile banking APP of China Merchants Bank or the online banking "lightning loan" module to check your maximum application amount. The minimum amount of a single withdrawal is 1 1,000 yuan, and the maximum amount does not exceed the limit, and it must be an integer multiple of 1 1,000.
4. There are two ways to apply for a loan within the lightning loan limit:
(1)/kloc-lend within 0/5 minutes, and automatically approve within 5- 10 minutes. Lend immediately after approval, and notify the result by SMS.
(2)t 1 day loan. Within T 1 day, there will be a phone call from the nuclear power plant to verify and arrange the loan after confirming the information. If you don't answer after three times of active contact, the application fails and you need to apply again.
Tips: ① If there is no automatic lending within 5- 10 minutes, it is normal to wait for telephone review. The approval progress cannot be directly queried, and the approval result shall prevail.
(2) When the lightning loan is built, there will be inquiry records on the credit information. If you only successfully established the amount and did not withdraw money: there will be no record of the amount in the credit report; Every subsequent withdrawal, there will be a new loan record in the credit information.