If you apply online, you need to pay attention to these:
1, first look at the company's qualifications.
First of all, the business license name of a regular company must contain the word "",which can be verified by logging in to the credit information publicity system of enterprises in this province. Secondly, formal companies "only lend but not save". Finally, you can check the registered capital of the enterprise. If the amount is too small, less than1million, be careful. It's rather suspicious to only fill in the telephone number column without writing a fixed number.
2. Do you charge in advance?
Formal loan companies don't have to pay any fees when they borrow money, but only when they lend money. Don't believe those small companies that ask you to repay in advance with various excuses such as "down payment", handling fee and deposit when applying for a loan.
3, the audit is too loose.
With the development of internet finance, credit testing is becoming more and more relaxed, but those who are too loose, the procedures are too simple, and the loan interest rate is too low to be attractive should be more careful.
Generally speaking, no matter how well the advertisement is done, you can only borrow money with your ID card. In fact, in the actual lending process, you will also examine your personal income and credit situation. If you don't need to see anything, you can basically conclude that it is not very reliable.
4. Is the loan interest rate too high?
After choosing a company and avoiding so many loan traps, when you actually place an order and submit an application, you have to look at a serious problem-the loan interest rate. Interest rates are too low to be reliable, and interest rates are too high to be reliable. How to judge? The new Private Lending Law stipulates that the annual interest rate of loans is protected within 24%, and it is illegal to exceed 36%. If the interest rate is too high, this is not reliable.
I would like to remind everyone here.
If you want to make online loans, you should pay attention to the specific details, depending on the qualifications and interest of the loan company, choose a formal loan company, and don't be easily deceived. 2. A friend wants to borrow money from my own company, and mortgage his own property to get the loan. What are the risks to me? Is there any way to get rid of it?
Loaning in the name of your company has certain property risks. Since your friend's property does not belong to your company, it should be your company's loan in essence. Your friend uses the property as a guarantee (specifically, whether you pledge the property right certificate at your place or at the bank, please let us know), and then your company lends the loan to your friend. The risk is: 1. Your company is the borrower and the first person responsible for repayment. Even if your friend is a guarantor, you will only recover from him if your company can't repay. If your friend can't repay the loan principal and interest to you and uses the real estate assets for other purposes, such as pledge or transfer, which makes it difficult to pay off the debt, then you can only recourse from him after repayment. It is doubtful whether it is appropriate to lend your company's loan to others. If you violate the loan contract (depending on how the contract is signed), then your company may have to bear the corresponding responsibilities. In other words, inter-enterprise lending (non-commercial credit) is theoretically not allowed. Loan (electronic IOU credit loan) is simply understood as borrowing money with interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation. Principle: The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles." 1, loan security is the primary problem faced by commercial banks; 2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time; 3. Efficiency is the basis of sustainable operation of banks. For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong. Interest: interest refers to the remuneration paid by the borrower to the lender in order to obtain the right to use the funds, which is the use price of the funds in a certain period (that is, the loan principal). The loan interest can be calculated in detail by the loan interest calculator. In civil law, interest is the legal fruit of principal.
Third, the risk of borrowing money for the company in the name of an individual.
There is no risk in principle. Because it is a company loan, individual shareholders guarantee the company loan, so the loan behavior belongs to the company, and the guaranteed shareholders bear the guarantee responsibility, and other shareholders are not responsible. But other shareholders are indirectly related to the company's borrowing behavior.
4. Is there any WeChat offline staff to help customers with loans?
What did the offline personnel of WeChat do in the name of WeChat?
It doesn't matter whether it's true or not, but it's really risky to be wrong (under the guise of the title).
It is highly possible for individuals to suspect that they are liars.
In addition, the online evaluation of Ping An Pratt & Whitney seems to be not high. . Some people are saying that Ping An Pratt & Whitney and Ping An Bank have no laws.
Baidu, Baidu Encyclopedia said:
Ping An Pratt & Whitney Financial Business is a subordinate business cluster of the joint venture company of China Ping An Insurance (Group) Co., Ltd. ..
Pay attention to the subordinate business of the enterprise, not the subordinate business of Ping An Insurance Group. This company doesn't chew words and likes to advertise.