If the bank acts as a third party guarantee, it is credible. Because banks are state-owned and regulated by national laws and policies.
Second, is the third-party guarantee reliable as a loan guarantee?
Third-party guarantee as loan guarantee: This method requires the borrower to provide a guarantor recognized by the loan bank. According to the regulations of the loan bank, the guarantor must be an enterprise legal person, and providing loan guarantee for the borrower is an irrevocable joint liability guarantee. When choosing this guarantee method, the borrower must first understand the conditions required by the third-party legal person guarantor recognized by the bank. According to the relevant bank loan regulations, the borrower must provide a copy of the business license of the third-party legal person; Third-party legal persons can conduct independent accounting and be responsible for their own profits and losses; It has a sound management organization and financial management system, and its credit rating is equivalent to AA or above; Having a deposit account with China Construction Bank; No significant creditor's rights and debts. If the third method does not meet these conditions or any of them, it will not pass the examination of the lending bank. Although non-public institutions with good credit status can also provide loan guarantees for their employees according to regulations, they need the approval of the loan bank. It is difficult to choose a third-party guarantee for loan guarantee. First of all, whether the third-party legal person is willing to be such a joint and several liability guarantor; Secondly, whether the qualification of a third-party legal person as a guarantor of joint liability will be recognized by the bank. Therefore, for most buyers, this method is not easy to succeed. Of course, property units sell public houses in accordance with the housing reform policy and are willing to provide loan guarantees for employees. There are still problems in the bank's qualification examination of guarantee.
Third, is the third-party guarantee company of decoration loan credible?
The third-party guarantee company is credible.
When applying for a decoration loan, the guarantee company will guarantee it. This is a necessary procedure for banks, because decoration loans need guarantors. Once you can't find a guarantor, use the guarantee company to guarantee you, go through the corresponding loan procedures, use the loan for decoration after the loan arrives, and then return the loan according to the contract.
4. Is Desai on Taobao reliable?
Buying Desai on Taobao is not reliable. The sellers on Taobao sell fakes, and there are many merchants in Desai. So it's easy for you to be cheated inadvertently. It is recommended to buy Desai in Tmall flagship store or JD.COM flagship store. In this case, you can't buy fakes. Ensure that you can buy genuine products. Buying on Taobao is really unreliable. I hope my answer can help you.