Without social security, it is more reliable to apply for loans through a third party.
1. Third-party loan is the so-called third-party deposit and loan pledge, which means that the enterprise provides the commercial bank with the deposit certificate pledge for the third-party loan after the commercial bank agrees to deposit, as the second repayment source of the third-party loan.
2. As a financial service institution, a loan intermediary company can collect corresponding intermediary fees as input costs and remuneration according to law. For example, the 3% intermediary service fee, which is common in the market at present, fluctuates depending on customer qualifications, credit products and personal needs of customers. Formal loan companies don't need to charge before lending, so be careful if they charge before lending.
Is there a limit on the amount of third-party loans for BOC Class III accounts?
Transaction limit of third-party loan repayment bound to Class II and Class III accounts of Bank of China:
1, Class II account:
(1) Class II accounts can accept loans from our bank, and repayment can be made through Class II accounts, which is not subject to the limit control.
(2) The repayment of Class II accounts to third-party loan platforms is limited. The daily cumulative total limit of consumption payment, transfer to unbound account and cash withdrawal for Class II account is 6,543,800 yuan, and the annual cumulative total limit is 200,000 yuan.
Tertiary account:
(1) Class III accounts can accept small consumer loans from our bank and repay them through Class III accounts, provided that the balance does not exceed 2,000 yuan at any time.
(2) The repayment of Class III households to the third-party loan platform is controlled by the quota. The daily cumulative limit of consumption, payment and transfer to unbound accounts totals 2,000 yuan, and the annual cumulative limit totals 50,000 yuan.
The above contents are for your reference. Please refer to the actual business regulations.
What does the third-party loan mean?
Third-party loan is the so-called third-party deposit and loan pledge, which refers to the pledge of deposit certificates provided by enterprises to commercial banks for third-party loans as the second repayment source of third-party loans after commercial banks agree to deposit. The deposit bank and the loan bank can be the same bank or different banks, and the latter is the mortgage business of interbank deposit certificates. The interest rate of agreed deposits is higher than the official interest rate.
Third-party guarantee requires the borrower to provide a guarantor recognized by the loan bank. According to the regulations of the loan bank, the guarantor must be an enterprise legal person, and providing loan guarantee to the borrower is an irrevocable joint liability guarantee.
When choosing this guarantee method, the borrower must first understand the requirements of the third-party legal person guarantor recognized by the bank. According to the relevant bank loan regulations, the borrower must provide a copy of the business license of the third-party legal person; Third-party legal persons can conduct independent accounting and be responsible for their own profits and losses; It has a sound management organization and financial management system, and its credit rating is equivalent to AA or above; Having a deposit account with China Construction Bank; No significant creditor's rights and debts.
Extended data:
1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.
4. Take good care of your contracts and IOUs, read the terms of the contracts carefully, and know your rights and obligations.