The risks are as follows:
1, the loan cost is high.
Compared with other loan businesses, the interest rate of unsecured loans is higher, which invisibly increases the repayment burden. If the unsecured loan cannot be repaid in time, a certain penalty interest will be charged, that is, 130% interest. Not only that, it will also produce overdue repayment records, which will affect the handling of personal loan business in the future. If you get unsecured and unsecured loans through private lending, pay attention to the fact that the interest rate must be within the legal range and low.
2. The risk of being cheated is high. There are many scams of unsecured and unsecured loans, and many people fall into the trap of unsecured and unsecured loans, causing economic losses. Most of these scams require borrowers to pay a certain fee before lending money on the grounds of collecting fees and deposits. Therefore, unsecured and unsecured loans must be handled by banks or formal loan companies.
Second, what are the risks of unsecured loans?
China Postal Savings Bank launched the personal unsecured guarantee business. Almost all unsafe and confidential information published on the Internet and in newspapers is deceptive. They all pay interest first, and then say they won't apply for a loan for you. I was just eager to open my own shop and was cheated. I must go to the bank or a formal legally recognized loan company to apply for a loan. My qq number is 798449707.
Third, shortcomings
Among so many kinds of loans, loans are welcomed by many borrowers because they don't need to provide collateral, which is convenient and fast, but everything has advantages and disadvantages, and many people don't know its disadvantages. Next, I will give you a brief introduction. 1, the loan amount is low. Because there is no collateral as collateral, there is a certain loan risk for lending institutions, so the loan amount will be low. The loan amount usually obtained is about 5- 10 times of the borrower's monthly income. 2. The expected annualized interest rate of the loan is higher than that of the mortgage loan. Because there is no collateral, the expected annualized interest rate of the loan is high, between 8%- 15%. 3, easy to be deceived because there is no collateral, so the loan is very convenient and fast, but it often breeds many scammers to cheat. Therefore, in the process of handling, we should be vigilant and choose a formal lending institution to avoid being deceived.
4. Is it risky to put a trust? If yes, please elaborate.
Thank you for inviting me. I'm a trustee, focusing on trust.
The author has always stressed that there is no zero-risk financial management, no platform for zero bad debts, even if it is strong as a trust institution and has high quality as a trust product asset. The author also wants to emphasize a point here: investors choose a project not because it is "risk-free and foolproof" (idiotic), but because professional and formal institutions have enough risk control to resist the explicit and implicit risks of the corresponding project, which is king! ! !
Let's talk about whether the current trust is risky. The risk is so great that the current trust institution can resist (cover) the risk.
Undeniably, many trust projects are overdue and extended, and investors' principal and interest are not recovered in time. There are also many trust institutions (not mentioning names, only checking) that are not only the risks of a single project, but also the operational risks of the whole company.
All the above are facts. If investors turn a blind eye, I suggest dividing the funds into several 500 thousand shares and storing them in different banks. This is your best destination.
In fact, if investors study overdue projects deeply, you will find that most overdue projects are industrial and commercial enterprise trusts, and the financing parties are listed companies. It is "reasonable" that the project is overdue due to tight capital chain and difficult operation in combination with the poor stock market environment of 19. Political and credit projects are long overdue. After careful investigation, the area is mostly "network celebrity area (Yunguichuan District)", and the industry has been rumored that the investment is not as good as Shanhaiguan. ! !
Admittedly, the overdue ratio of real estate trust is the least among all kinds of trust types. After all, there are physical mortgages such as land and commercial housing, and their cash value covers all principal and interest! ! However, at present, real estate trusts conduct balance control and direct window guidance in CBRC. Many small and medium-sized housing enterprises, without strong capital support, mostly ended in bankruptcy.
The first factor that the real estate trust chooses to pay attention to, I think it should be policy orientation! ! !
To sum up, the risk of subdivision is nothing more than the risk of the project or trust institution. The author further breaks down the risk of the project in the above words. As for how to resist-the author directly gives his own humble opinion for your reference-industrial and commercial enterprises should not act rashly, real estate trusts should be cautious (head-to-head, head-to-head), political trust projects are only popular, and online celebrity areas should be kept away. It is best to stay away from Jiangsu, Zhejiang and Shanghai! ! !
As for the risks of trust institutions, there are currently 68 trust institutions with a minimum registered capital of 200 million and a maximum of10 billion. According to the background of shareholders, it can be divided into government departments, banking departments, central enterprises departments and private sectors, with different strengths. Every investor has his own vision. Relatively speaking, the strength of the private sector is slightly weak during the economic downturn, but the proportion is not much, less than 10. Investors can carefully screen. In addition, as a formal financial institution, trust institutions do not have the risk of bankruptcy and escape! ! !
A little humble opinion, thanks for reading! !