Formal loan intermediary service companies will not only provide guidance and suggestions on credit reporting, running water, income proof and work for customers.
After confirming the customer's loan demand, a formal loan service company will interview the company, learn the basic information of the customer through the customer's credit information, and then provide loan services to banks or institutions.
Also, the professional credit consultant of the regular loan service company will tell you the progress of the loan, and it usually takes a week to know the result. If you wait a long time before asking for money, you are undoubtedly a liar.
Second, the formal guarantee company loan process
A natural person under the age of 60 with full capacity for civil conduct;
Can provide legal, effective and sufficient real estate as collateral; Good credit and the ability to repay the loan principal and interest in full and on time.
Loan characteristics
The monthly repayment is fixed.
Repayment method
pay principal with interest
amount of loan
The maximum value is 100% of the evaluated value.
length of maturity
Maximum loanable period 10 year.
The intended use of the loan
Used in enterprise management
Applicable people
A person whose income is stable because an enterprise or individual has a large property right to mortgage real estate in Beijing.
Loan process
The borrower applies and submits relevant materials.
Real estate appraisal, pre-loan investigation and approval.
Pass the examination and approval, and go through the mortgage registration formalities.
When issuing a loan, the borrower shall repay the principal and interest of the loan regularly as agreed in the contract.
Settle the loan principal and interest, and go through the mortgage formalities of the mortgaged house.
Information to be provided
Personal identity card, household registration book and proof of marital status.
Proof of repayment ability such as personal income or personal assets.
Proof of loan purpose (such as purchase contract, etc.). ).
Property ownership certificate (if the property is mortgaged by a third party, the identity certificate of the property owner and the written certificate of consent to mortgage are also required).
Business license, tax registration certificate, organization code certificate, articles of association and financial statements of the enterprise as a legal person.
3. What is the loan process of the guarantee company?
(1) Application: Relevant materials required for submitting a loan application; (2) Audit: After the submitted materials are complete, the guarantee company will verify the authenticity of the materials; (3) Agreement: After approval, sign relevant agreements with banks and guarantee companies; (4) Lending: the bank issues loans and deposits them in the borrower's account, at the borrower's discretion; (5) Repayment: Repay in full and on time every month as agreed in the contract; (6) settlement. 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 banks.
4. What does guarantee approval mean?
Guarantee approval is to examine the guarantor's guarantee ability. Lending banks are obliged to examine their guarantors, including their qualifications and guarantee ability. If the bank issues loans, the bank should also fulfill its supervisory obligations to the guarantor.
Guarantee can be divided into general guarantee and joint liability guarantee. The law can enforce the joint and several liability guarantee/according to the requirements of the parties/the guarantor can be executed first, or the borrower can be executed first, or both, and the borrower and the guarantor bear the repayment responsibility.
If the guarantor can't pay off the debt, the bank may apply for execution of the borrower; If both of them are unable to repay, the bank can declare for write-off, but once the borrower and guarantor are able to repay, if the litigation bank cannot give up, the bank can apply to continue execution until the loss is recovered.