Now there is a loan company to guarantee the lender. 1. But the responsibility of the guarantee company is to provide guarantee for operating loans. If it is an individual, the guarantee company only does honorary guarantee, and the procedures are relatively complete. Secondly, the guarantee fee charged by the guarantee company is very high. Equivalent to the level of, so it is not recommended. : 1) (financing) loan guarantee: loan guarantee refers to the lender (financial institution) and borrower (mainly industrial and commercial enterprises and natural persons) who provide third-party guarantee. The guarantee institution shall ensure that the borrower fails to repay the principal and interest within the time limit stipulated in the loan contract, and the borrower shall pay the due principal and interest. The loan guarantee contract shall take effect from the date when the borrower receives the loan, and shall be terminated after the borrower or guarantor repays the principal and interest. Loan guarantee is the main business of credit guarantee institutions, and its purpose is to alleviate the financing difficulties of enterprises. Dispersing the possible risks of bank loans and enterprise financing will play a certain role in ensuring credit security and promoting enterprise development. 2) The main form of loan guarantee is working capital loan guarantee. Working capital loan is a loan issued to solve the problem of insufficient working capital in the production and operation of enterprises. This kind of credit is characterized by short credit term (within one year), strong liquidity and low financing cost, and it is the most commonly used credit for customers. Working capital loan guarantee is called working capital loan guarantee. Fixed assets loan guarantee. Enterprises in the purchase of machinery and equipment, technological transformation, land purchase and housing, real estate development and construction investment and other funds, apply for loan guarantees from banks. Personal consumption loan guarantee: refers to a natural person with stable income, good credit and good credit status. The ability to repay the principal and interest of the loan and the civil behavior are the guarantees provided by the bank to buy consumer goods or meet personal consumption needs such as education and tourism. Personal enterprise loan guarantee: refers to the guarantee provided by individual industrial and commercial households or individual industrial and commercial households when they borrow money from banks for production and operation needs. Guarantee for laid-off workers: It aims to solve the problem that it is difficult for laid-off workers and unemployed people to obtain bank loans because of the small demand.
2. Which is better, personal loan or company loan?
Not necessarily, as long as you meet some conditions, just choose a better statement for you to accept. Generally speaking, corporate loans are better. To tell the truth, personal loans should be recorded in credit records, while corporate loans should be written off by banks every year. Hehe, do you understand? I hope so. You should ask him to talk to you about the details of the company loan.
3. Is there a loan company that specializes in loans?
Hello, I'm from Beijing Tianrenhe Credit Company. You can contact me.