1. The qualification requirements for bank loans are relatively strict. I believe that friends who have been to bank loans must know that bank loans require many qualifications such as work, income, industry and debt calculation. Friends who need money are rejected by banks for various reasons. At this time, the loan company was born!
So, it's not that you don't look for a bank loan, but that the bank doesn't pay, so you can only look for a loan company!
2. The difference between bank loans and loan companies is that the requirements for borrowers are relatively loose. For example, if you have a job, you can get a loan, or you can have a policy, social insurance, provident fund, housing loan, etc. If you have one of them, you can prove that you can repay the loan on time, so the loan company is better than the bank loan. Of course, the interest rate is definitely higher than the bank interest rate.
As a broker who has been engaged in loan financial services for 5 years in Xinxiang area, if banks need to spend money, they must find a formal loan company if they can't borrow money.
1). Try to find a local loan company.
2). Go to the loan company for field investigation and interview.
3) If the interest rate is lower than that of the bank, please be careful.
4). The loan company mainly makes credit loans, and it only needs an ID card to get tens of thousands of yuan. Be careful. Whose money is not blown by the wind, but with an ID card. Don't be confused by these words.