4.35%。 According to the information about the packaged loan interest rate, the packaged loan interest rate of Shenzhen third-party guarantee company is 4.35%. Medium-and long-term loans: the loan interest rates for one to three years and three to five years are all 4.75%. The loan interest rate is the interest rate charged by banks and other financial institutions to borrowers when they issue loans. It is mainly divided into three categories: the loan interest rate of the central bank to commercial banks; The loan interest rate of commercial banks to customers; Interbank lending rate
Second, the packaging company loan charges?
The cost is uncertain, so it's best not to pack it. The bank will find out. Affect future loans. General bank's requirements for credit investigation: at present, it cannot be overdue, twice in half a year, three times in a row in two years, and a total of six times.
Conditions for applying for loan business:
1,18-a natural person aged 65;
2. The borrower's actual age plus the loan application period shall not exceed 70 years old;
3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;
4. Good credit information and no bad records;
5. Other conditions stipulated by the bank.
Third, he wanted to get a loan from a packaging company, but he said that the bank needed a home visit and would charge 30 yuan. ...
Customers don't need money to visit abroad at all, but bank staff may need some money during or after their overseas visits, so there will be this overseas visit fee. Bank staff will definitely not leave the bank, let alone customers.
Hope to adopt
4. What is the loan packaging fee? This is a trap!
Now the loan is not so good, at least it must meet the basic requirements of lending institutions. If the qualification is not up to standard, it is impossible to apply successfully. Some private lending institutions require borrowers to pay packaging fees when applying, so what is the loan packaging fee? Be sure to be vigilant.
1. What is the loan packaging fee?
1、
In the formal loan platform, this packaging fee does not exist, because the personal information of the borrower is loaded, and the formal platform needs to review the real information of the borrower and prohibit false loan applications.
In the name of the borrower, as long as the borrower pays the fee, he will ask for further payment in other names. Once the borrower finds something wrong, the liar will directly pull the black or lose contact.
Step 2 beautify information
Because many people often fail to apply for loans, in order to improve the loan success rate and loan amount, they will try their best to optimize their information, such as credit information repair, eliminating overdue, forging bank accounts, work certificates, personal information and so on. , which is the so-called packaging fee.
Second, the payment considerations
1, there is no such thing as packaging fee in any formal lending institution, so if you are asked to pay this fee, it is basically
2, the loan should choose a formal platform, don't talk about each other.
The above is related to what the loan packaging fee belongs to, so you should be very careful when lending.