It is safe to find a formal guarantee company for mortgage loans. It should also be noted that in mortgage loans, the rights and obligations of both parties should be clearly defined in the contract, and the guarantee method, scope and duration of the guarantor should be determined. Generally, the security of the loan can be guaranteed after doing enough duty of care.
legal ground
Article 686 of the Civil Code of People's Republic of China (PRC) includes general guarantee and joint liability guarantee. If the parties have not agreed on the way of guarantee or the agreement is unclear in the guarantee contract, they shall bear the guarantee liability according to the general guarantee. Article 688 Where the parties stipulate in the suretyship contract that the surety and the debtor shall be jointly and severally liable for the debts, it is a suretyship of joint liability. When the debtor of joint and several liability guarantee fails to perform the due debt or the circumstances agreed by the parties occur, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee.
Is it reliable to find a loan from a guarantee company? This analysis will be much less likely to be pitted!
Many people want to borrow money, but their personal qualifications are not good, so it is difficult to borrow money on their own. They often need to find a third party to guarantee the loan, such as a guarantee company, because the guarantor also needs to bear the repayment responsibility, and the overdue risk is reduced. Is it reliable to borrow money from a guarantee company? How to tell whether the guarantee company is formal?
Is it reliable to find a loan from a guarantee company?
Whether the loan to the guarantee company is reliable depends mainly on whether the guarantee company is formal, and the formal guarantee company has good loan security. Here are some identification methods for guarantee companies:
1, depending on the operation process of the guarantee company.
Formal guarantee companies will strictly abide by national laws and regulations, will not engage in illegal business for short-term interests, and will formulate strict legal texts to clearly define the rights and obligations of creditors, debtors and guarantors, and fully protect the interests of all parties.
2. Look at the operating conditions of the guarantee company.
You can learn more about the assets of the guarantee company, see its operating years, the number of customers, and whether there are overdue days. If the guarantee company doesn't have a specific office address and can't provide a business license, you can't find any information on various authoritative platforms. It's basically not very reliable.
3. Look at the guarantee fee
Formal guarantee companies will not charge borrowers any fees when lending money, and there is no so-called handling fee and material fee. If the guarantee company requires the borrower to pay the deposit, handling fee and other payments in advance before signing any legal contract, it is unlikely.
Is it reliable to borrow money from a guarantee company? Finding a loan from a regular guarantee company with a foundation is less likely to be cheated. Borrowers should analyze the situation of the guarantee company in multiple dimensions, and don't lower their vigilance as soon as they hear that "the threshold is low and the loan is fast".
Is the loan guaranteed by the guarantee company credible?
1. The loan guaranteed by the guarantee company is credible. A legally established guarantee company can provide guarantee for financing loans, and when the borrower fails to repay the loan at maturity, it shall bear the guarantee responsibility for paying the loan principal and interest to the lender. It can be seen that the loan guaranteed by the guarantee company is more secure to recover the principal and interest. According to Article 2 of the Interim Measures for the Administration of Financing Guarantee Companies, the term financing guarantee as mentioned in these Measures refers to the act that the guarantor and the creditors such as banking financial institutions agree that the guarantor shall bear the guarantee liability agreed in the contract according to law when the guarantor fails to perform the financing debts owed to the creditors.
Second, first look at what the local guarantee companies are in charge of (different provinces), and try to find the competent department for telephone consultation or the list of guarantee companies published by official website. You can find it in Fujian. I hope I can help you.
Generally, it is necessary to provide bank account information, a copy of ID card and other materials. Please remember the main points, keep the original ID card, bank card and other materials well, don't reveal the password on any occasion, and mark "for use only" on the copy to prevent future risks. This should always be kept in mind.
1. Everyone can go to the industrial and commercial bureau to register and set up a company, but the industrial and commercial bureau is not responsible for the behavior of the enterprise. In other words, having a business license does not mean that the business of this enterprise is legal, let alone reliable. 2. Secured loan is a new industry that rose in 2009, and it has been relatively mature so far. A secured loan means that you go to the bank for a loan yourself, and the bank tells you that you don't meet the requirements and wants you to provide a guarantee. At this time, the guarantee company will guarantee the loan to the bank for you. So, you don't need to doubt the authenticity of this industry. 3. Does the loan fund come from the bank? A formal guarantee company, the funds are all from the bank. The procedure is that you sign a loan contract with the bank, then the guarantee company signs a guarantee contract with the bank, and the guarantee company signs a counter-guarantee contract with you. At present, many loan companies claim that they are unsecured and unsecured. They usually ask you to provide information and let you pay the deposit and interest before lending. This kind of company is a liar. Don't trust it.
Is the guarantee company loan reliable?
Formal guarantee companies are more reliable. But pay attention to the following matters:
1. Don't let others inquire about your credit information too much;
2. Any loan is generated without any cost in the early stage of successful loan re-charging;
3. The loan requires me to sign a loan contract in person. Don't trust those online who don't need my presence;
4. Don't trust other people's information about what funds to activate before lending;
5. Read the loan agreement and contract clearly.
When an individual or enterprise borrows money from a bank, in order to reduce the risk, the bank does not lend money directly to the individual, but requires the borrower to find a third party (guarantee company or qualified individual) to guarantee.
According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for review, and then submit the audited materials to the bank, which will lend money after review, and the guarantee company will charge corresponding service fees.
Due to the high marketing cost of banks, it is difficult for small enterprises to apply for loans directly from banks, which leads to small enterprises having to seek help from financing institutions such as guarantee institutions when they have financing needs. The cost of selecting customers for guarantee institutions is relatively low, so selecting high-quality projects to recommend to cooperative banks will improve the success rate of financing and reduce the marketing cost of banks.
In addition, in terms of risk control of loans, banks are also reluctant to put them on the Internet. An important reason is that the management cost of such loans is high, but the benefits are not obvious. For this kind of loan, the guarantee institution can optimize the management process of the loan, form personalized service of post-loan management, share the management cost of the bank, and avoid the worries of the bank.
Secondly, after the risk is released, the advantages of guarantee institutions are irreplaceable. The project of bank direct loan is risky, and the disposal of collateral often takes a long time, with high litigation cost and poor liquidity.
The cash compensation of guarantee institutions has greatly solved the problems that banks are difficult to deal with. Some guarantee institutions can compensate after loans overdue 1 month (or even three days of investment guarantee), and the bank's non-performing loans will be eliminated in time, and then the guarantee institutions can resolve the risks through their more flexible handling methods than the banks.
The guarantee company has a quick time limit. As a bank, its inherent loan model process causes a lot of time waste for SME owners; The guarantee company just embodies the flexible mode of designing special financing schemes for different enterprises, which greatly saves the time and energy of business owners and can meet their urgent need for funds.
Furthermore, the credit line granted by the guarantee company on the basis of mortgage greatly exceeds the value of the mortgaged assets. Provide more demand funds for SMEs.
Is the guarantee company loan safe? How to choose a reliable guarantee company?
Everyone may need money badly. At this time, if a guarantee company calls you and asks if you want a loan, their company can give you a guarantee and make the payment in a few days. Will you consider it? Yes, there is such a company that provides guarantee services for others. When you are in urgent need of money or your credit history and capital level can't meet the requirements of bank loans, this kind of guarantee is also a solution. But many people are worried, does such a guarantee company comply with the law? Is it safe to find a loan from such a company? Let's analyze it for everyone.
The so-called guarantee company means that when an individual or enterprise wants to borrow money from a bank, in order to reduce the risk, the bank does not lend money directly to the individual, but requires the borrower to find a third party (guarantee company or qualified individual) to provide credit guarantee for it. According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for review, and then submit the audited materials to the bank, which will issue loans after review, and the guarantee company will charge a certain service fee. Guaranteed loans can meet the needs of some applicants with a large amount of funds and no mortgage on real estate. Guaranteed loans require that the guarantor is an individual, mainly civil servants and employees of public institutions.
If you borrow directly from the bank, the loan approval is likely to fail. However, if the borrower is in urgent need of money, he will usually ask the loan guarantee company for help at this time, but there are good and bad guarantee companies, so everyone needs to improve their ability to distinguish.
1. Select the guarantee company that cooperates with the bank.
Guarantee companies must establish cooperative relations with banks if they want to establish prestige in the guarantee industry. Therefore, when choosing a guarantee company, you need to choose those guarantee companies that have established cooperation with many banks. Especially when applying for a loan from a bank, you must choose a guarantee company that has a cooperative relationship with the bank.
2. The charging standard is "shop around"
Looking for a guarantee company requires a guarantee fee, so how to save the guarantee fee is also a factor that we have to consider when lending. Different guarantee companies will charge different fees. Based on this, in order to ensure the effective saving of capital cost, it is undoubtedly wise to "shop around" the charging standard.
It is worth noting that formal guarantee companies and banks will not charge any fees before lending, so if they charge you for the loan that has not been repaid, then nine times out of ten it is a liar company.
If you choose a good guarantee company, it will also be very helpful for you to apply for a loan successfully. Because they will help you with the preliminary data sorting, you don't have to go back and forth to the bank yourself, which will also greatly shorten the lending cycle of the bank, which is why people who are in urgent need of money are willing to choose a guarantee company.
The loan agent said he could help me find a loan guarantee company. Is it reliable?
The loan agent said that he could help me find a loan guarantee company, which was not reliable.
The loan agent said that he could help me find a loan guarantee company, which was not reliable. I lied to you. Even if I give you a loan, it's still a set of beheadings.