First of all, when the lender's conditions can't meet the requirements of the bank, such as income, assets, credit, etc. , its entrusted guarantee company can come forward to guarantee it. If the lender fails to repay the loan due, the guarantee company will bear the relevant responsibilities. Because the credit risk is divided, the loan guaranteed by the guarantee company is more likely to be approved by the bank. Secondly, as a bank, its inherent loan model process will cause a serious waste of time. Guarantee companies are very familiar with the bank's loan process, which can effectively help lenders simplify the complex and save 1-2 months of loan processing time.
To sum up, guarantee companies are indispensable to many lenders. Therefore, it is particularly important for individuals and enterprises to choose a guarantee company with certain strength when handling loans. There are many loan guarantee companies in Beijing at present. Lenders should try their best to choose formal and efficient guarantee companies, such as Houze, Oriental Bao Li and Anjia.
Dongfang Bao Li investment guarantee co., ltd
Wang Hui, a loan consultant, said: When choosing a guarantee company, the lender should know whether its qualification, registered capital and contract are standardized, so as not to fall into the guarantee trap of some companies taking low rates as bait and avoid losses.