Whether in life or at work, each of us will inevitably encounter some situations, and at this time, we need to apply for a loan in the bank but are rejected for various reasons. At this time, the loan company acted as a savior in front of the borrower. The magic of loan companies lies not only in helping borrowers get loans quickly, but also in those who have repeatedly encountered difficulties in bank loans. However, while such borrowers are excited, they should also strengthen their personal awareness of prevention so as not to turn good things into bad things. Therefore, we might as well take a look at the precautions for finding a loan from a loan company. First, to identify whether the company is a regular borrower, when choosing a guarantee company, we must pay attention to check its business license, tax registration certificate, loan approval procedures, and even previous guarantee cases to avoid encountering irregular companies. Second, carefully check the contents of the contract. When signing a contract with a guarantee company, the borrower must read the terms of the contract carefully to avoid it. To put it simply, borrowers need to focus on two items: first, whether the charging terms are consistent with the previous agreement; Second, we should pay attention to whether the loan contract signed is a standard contract of the bank, whether the lender is a bank, whether the borrower is himself, and whether the guarantor is a guarantee company. Third, don't pay the handling fee before lending. You know, formal lending institutions never charge fees before lending. Therefore, the borrower must pay the relevant expenses to the guarantee unit after signing the loan contract and issuing the loan.
What aspects should we pay attention to in lending? Remember these six points!
Nowadays, loans have become a very common thing, but there are many gangs in the market who cheat borrowers' trust in the name of loans, with the ultimate goal of encroaching on property, so loans should be cautious. Today, I have sorted out some matters needing attention in loan, so everyone must know more about it.
1, don't believe advertisements.
Remember, there is no free lunch in the world. Those loans with low threshold, no threshold and unconditional conditions are often hidden dangers, which may be routine. Be sure to choose a formal loan platform.
2. Check the qualification of the loan company
Because criminals generally solicit business in the name of "company", they have no financial qualifications in essence. Therefore, before making a loan, the borrower must check the information of the relevant company to see if it is formal.
Don't sign a loan contract at will.
Before signing the contract, you should read it carefully, be consistent with what you said, write as much as you borrow, and write as much as you are interested in. A person who promises verbally but refuses to write it into a contract will never sign it.
Please sign the paper carefully with a pen.
When signing a contract, borrowers should be alert to the overlord clauses such as cash discount, high penalty interest and interest rolling, so as to avoid snowballing development of loans and falling into the trap of "routine loans". Read the content carefully, fill it clearly or cross it out in the blank, and don't give the other party a chance to forge, tamper with or add it. Don't listen to the sweet words of the lender, don't sign, and don't write false materials.
6, but money exchanges, we must keep evidence.
Especially in cash transactions, remember to take photos, videos or operate in places with video surveillance, and you can find more irrelevant people to witness. Repayment of principal or payment of interest must be remitted to an account confirmed by both parties in writing, and cash payment should be accompanied by a receipt.
Is the loan from the loan company reliable? Lending companies should be cautious in lending.
Now the loan method is accepted by many people. In addition to bank loans, loan companies are also very popular in the market. Because of the high marketing cost of banks, it is difficult for small enterprises to apply for loans directly from banks, which often leads to small enterprises having to turn to financing institutions such as loan guarantee institutions for help when they have financing needs. So is the loan from the loan company reliable? Let's analyze it together.
Is the loan from the loan company reliable?
First, let's learn what a company is. The company is a company invested and established by natural persons, enterprise legal persons and other social organizations, which does not absorb public deposits and operates business. Because of its simple loan procedures, wide range of mortgage and pledge (even mortgage-free and guarantee-free) and strong flexibility, it quickly won the favor of individuals, small businesses and other customers who could not get loans from traditional banks.
In fact, regular companies are absolutely reliable. Formal 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. However, many swindlers swindle under the banner of the company, causing losses to borrowers. To judge whether a company is real or not, we need to start with its business qualifications. Generally speaking, the company's process of providing loans is relatively standardized, and it is basically deceptive to ask for various fees before getting loans. Secondly, it depends on whether the loan company intends to compound interest, commonly known as "rolling interest". If so, be careful of the problem. Also, the company's interest rate is now clearly stipulated that it cannot exceed four times the current benchmark interest rate for bank loans. If it is exceeded, it may be untrue.
Matters needing attention in loan of loan company
1. The most important and omnipotent way is: never pay any fees before the loan arrives. Formal lending institutions only charge when lending money. Any company that collects money in various names before lending money must be cautious.
2. Go to the website of the industrial and commercial bureau where the loan company is located to check the operating conditions of the loan company to see if it has business qualifications;
3. See if the company has a fixed office and a fixed telephone, and beware of companies with only one mobile phone number.
Most of the companies that claim to be open 24 hours a day have problems. No formal loan company has such regulations on working hours. And the working hours are not regular, and the company can't be regular.
Even if it is an online company, there are still physical companies in reality. Don't trust those loan companies that only provide telephone and QQ, and sign contracts and other matters should be face to face.
6. The conditions are particularly relaxed, there is no mortgage, no guarantee, and no proof of salary income. Just say you can lend it to you, and be very careful. After all, it is also a loan, and it needs to be guaranteed to be repaid. Those who say they can lend you money just by providing their ID numbers and copies must be liars. Charity can't do this!
Summary: Above, I explained the relevant knowledge about the loan reliability of loan companies. What we have noticed is that many people cheat people to invest under the guise, so when choosing a loan company to invest, we must pay attention to its reputation, strength and operating time.