Generally speaking, there is no risk for a loan company to go to work.
A company is a limited liability company or a joint stock limited company established by natural persons, enterprise legal persons and their social organizations that does not absorb public deposits and operate businesses.
Compared with banks, the company is more convenient and quick, suitable for the capital needs of small and medium-sized enterprises and individual industrial and commercial households; Compared with private lending, it is more standardized and the loan interest can be negotiated by both parties.
A company is an enterprise legal person, with independent legal person property, enjoying legal person property rights, and bearing civil liability for debts with all its property.
Shareholders of a company shall enjoy the right to return on assets, participate in major decisions and choose managers according to law, and shall be liable to the company to the extent of their subscribed capital contribution or subscribed shares.
The company shall abide by the national laws and administrative regulations, implement the national financial policies, implement the financial standards and accounting systems of financial enterprises, and accept the supervision and management of governments at all levels and relevant departments according to law.
What should I pay attention to when I go to a loan company for a loan? Remember these!
Compared with bank loans, private loan companies have certain advantages, such as low application threshold, fast payment and simple process, which can quickly solve users' financial problems. But the loan company is very deep, and it may fall into the pit if you are not careful. Today, I will introduce some precautions for everyone to understand.
1, looking for products that suit you.
Because the main purpose of private loan companies is to make profits, they will give priority to some loan products with high interest and high expenses. You'd better do your homework in advance and choose the right products according to your own needs.
For example, you have to pay half a month's salary and you are in a hurry to use the money. You can try to apply for a loan that you can borrow and pay back immediately. As long as you pay the interest for half a month, don't just believe the quarterly and annual installments introduced by the business personnel, the total interest will be much higher.
Keep a clear head and don't be fooled.
Private lending companies have different levels, and many of them have no formal lending licenses. They may use the borrower's eagerness to borrow money to trick the borrower into signing a yin-yang contract, and then find reasons to ask for early settlement. If they don't pay back, they may encounter violent collection. In short, the loan company is too deep, so we must pay attention to preserving the evidence in advance and stop lending if something happens.
3. Loan interest rate
Private lending is no problem as long as it conforms to the law. It is normal that the annual interest rate is less than 24%, which belongs to more than 36%. Before lending money, you must carefully check the contract and calculate the borrowing cost. The interest rate of private lending companies is generally between 20% and 36%, and mortgage loans will be lower.
4. Repayment period
The loan term is generally between 6 months and 36 months. It is best not to delay for too long, otherwise it will cause greater repayment pressure. It is recommended to consider it comprehensively according to your own situation.
Is the loan from the loan company reliable? Lending companies should be cautious in lending.
Now the loan method is accepted by many people. In addition to bank loans, loan companies are also very popular in the market. Because of the high marketing cost of banks, it is difficult for small enterprises to apply for loans directly from banks, which often leads to small enterprises having to turn to financing institutions such as loan guarantee institutions for help when they have financing needs. So is the loan from the loan company reliable? Let's analyze it together.
Is the loan from the loan company reliable?
First, let's learn what a company is. The company is a company invested and established by natural persons, enterprise legal persons and other social organizations, which does not absorb public deposits and operates business. Because of its simple loan procedures, wide range of mortgage and pledge (even mortgage-free and guarantee-free) and strong flexibility, it quickly won the favor of individuals, small businesses and other customers who could not get loans from traditional banks.
In fact, regular companies are absolutely reliable. Formal companies are permitted by law, and the conditions for the establishment of non-bank financial institutions approved by the industrial and commercial departments are also very harsh. Therefore, there are still relatively few formal companies. However, many swindlers swindle under the banner of the company, causing losses to borrowers. To judge whether a company is real or not, we need to start with its business qualifications. Generally speaking, the company's process of providing loans is relatively standardized, and it is basically deceptive to ask for various fees before getting loans. Secondly, it depends on whether the loan company intends to compound interest, commonly known as "rolling interest". If so, be careful of the problem. Also, the company's interest rate is now clearly stipulated that it cannot exceed four times the current benchmark interest rate for bank loans. If it is exceeded, it may be untrue.
Matters needing attention in loan of loan company
1. The most important and omnipotent way is: never pay any fees before the loan arrives. Formal lending institutions only charge when lending money. Any company that collects money in various names before lending money must be cautious.
2. Go to the website of the industrial and commercial bureau where the loan company is located to check the operating conditions of the loan company to see if it has business qualifications;
3. See if the company has a fixed office and a fixed telephone, and beware of companies with only one mobile phone number.
Most of the companies that claim to be open 24 hours a day have problems. No formal loan company has such regulations on working hours. And the working hours are not regular, and the company can't be regular.
Even if it is an online company, there are still physical companies in reality. Don't trust those loan companies that only provide telephone and QQ, and sign contracts and other matters should be face to face.
6. The conditions are particularly relaxed, there is no mortgage, no guarantee, and no proof of salary and income. Just say you can lend it to you, and be very careful. After all, it is also a loan, and it needs to be guaranteed to be repaid. Those who say they can lend you money just by providing their ID numbers and copies must be liars. Charity can't do this!
Summary: Above, I explained the relevant knowledge about the loan reliability of loan companies. What we have noticed is that many people cheat people to invest under the guise, so when choosing a loan company to invest, we must pay attention to its reputation, strength and operating time.
Why not suggest working in a loan company for half a month?
Because the loan companies are mixed, affecting individuals.
The entry threshold for loan work is very low, which means that all kinds of colleagues may encounter it. Loan companies are mixed, some are positive, some are muddling along, and it is not recommended to go to a loan company for employment.
Lenders have great demand, but the risks are not small. Please take them seriously. Loan companies mainly look at performance when they go to work. Without performance, they can only get paid.
How about working in a loan company?
The entry threshold for loan work is very low, which means that colleagues at any level may encounter it. However, it takes perseverance and flexibility to get a good loan. It's important to have a good host.
Working in a loan company, I am mainly responsible for the marketing of loan business, grasping the potential customers to promote the company's credit products, doing business positioning and customer questions and answers in my daily work, handling the reception of various businesses for customers and solving various problems encountered by customers in the process of handling business.
At work, we must conduct an all-round audit of loan customers and be familiar with the information of borrowers and guarantors. This job requires not only strong communication skills, but also strong judgment. Actually, this job is more like a salesman. The incumbent should have strong endurance and pressure resistance, do more business, take more orders, get more commission and earn more money.
Key words of loan:
1, often working overtime (many people leave their jobs because of this).
2. Performance is everything (like most sales).
3, words (simple and rude procedures need gorgeous affixes).
4, the basic salary is low, and the commission is high (the basic salary is pitiful, and a single commission may be several times or even many times your annual basic salary).
5. Friends circle loan advertisements never stop (just get used to it).
6, you will be fooled (all by one mouth).