First, all loan policies and regulations of guarantee companies are attached to the bank's credit policy, and loan guarantee companies that banks can't do are definitely not allowed to operate. Even banks can't promise that customers' loans will be successful, so the guarantee company can't give you any promises. The guarantee company provides guarantee for your loan, and it appears as the second repayment of bank loan, so the guarantee company is not a company with certain success in loan. If you doubt whether your credit conditions can pass the bank audit, then you should consider whether you will fall into the trap when others tell you that we can definitely help you with the loan!
Second, because the guarantee company provides guarantee services for your loan, the guarantee fee can only be paid when the loan is realized, and the formal guarantee company will not charge any extra fees, door-to-door fees and material fees to the customers. The only fee you need to pay before the loan is the real estate appraisal fee. If the loan is unsuccessful, the guarantee company will definitely take nothing. The appraisal report fee paid before can also be refunded, and the appraisal company only charges transportation fee and production fee 100-200 yuan.
In short, there will be no pie in the sky! When making any loan, when you need to pay some unwarranted expenses or make a promise to you, you should think carefully. Maybe this is a trap!