Application conditions:
1, Chinese mainland residents aged 18;
2. Have a stable address and work or business place;
Step 3 be steady
4. There is no bad credit record and other behaviors.
5. Other provisions required by the bank.
Processing flow:
1. Submit an application to a local bank or lending institution;
2. Prepare various materials required for the loan;
3. Face-to-face signing of banks or lending institutions;
4. The bank examines the qualifications of the lender;
5. Approved and successful loans.
2. Is it illegal for banks to cross the bridge?
There is no such thing as a bank bridge service.
The term "bridge-crossing business" came into being on the premise that "the lender can't pay off the bank loan after it expires". When the economy is in recession, some people (or companies and institutions) who have a lot of spare money have discovered this situation and conceived this "bridge-crossing business" of "I will repay the loan for you and pay it back to me immediately after lending it out".
In other words, providing "bridge funds" business is done by rich people outside the bank.
Is it illegal to cross the bridge?
Generally speaking, money is also a commodity, and it is not illegal to engage in this business.
But the premise is that you can't violate any existing relevant laws and regulations, such as interest rate restrictions (more than 36% are not protected by law), sources of funds (whether it is legal or not, whether it involves illegally absorbing public deposits) and so on.
Even if the bridge was accidentally broken (I thought that the bank loan would be loaned here soon after it was repaid, but the bank stopped lending after receiving the loan), did you participate in the "violent collection"?
Judging from the actual operation of the bridge crossing business, it is essentially equivalent to "lend me money for a few days, and I will pay you back when I get the money in a few days", an ordinary private lending. The only difference is that the borrowed money is used for special purposes.
How to judge whether the bridge crossing business is illegal?
It is difficult to "judge in advance" at present. Because it is "not protected by law" and "illegal"
When we say that loans with an annual interest rate of more than 36% are not protected by law, we don't mean that it is illegal for you to participate in lending-this is essentially different.
The risk of "not protected by law" lies in "once a lawsuit arises, it will not be accepted" or "the part that exceeds 36% will not be recognized". It does not mean that "all lenders who have received more than 36% interest will definitely go back to prison".
Otherwise, it's really "breaking the law if you touch it", which means "you borrowed 6.5438+million yuan from your friend, and suddenly earned 6.5438+million yuan a year and paid him back 200,000 yuan." Your friend will definitely go to jail if he takes your 0.2 million/200 thousand Isn't this ridiculous?
Therefore, from a legal point of view, "the law can be done without prohibition." At present, there is no legal provision that "the interest rate of private lending exceeds 36%, and the lender will be imprisoned for more than three months". In other words, the bridge-crossing business is essentially a kind of private lending. As long as there is no actual illegal act on both sides, it is difficult to determine who is illegal.
3. What are the illegal acts of small loan companies?
It is understood that illegal and illegal companies approved by the provincial joint meeting of pilot companies in Shandong Province are within the scope of reporting, and can report to the Shandong Enterprise Association according to procedures. Specific violations include: illegal fund-raising in the name of the company; Illegal absorption or disguised absorption of public deposits in the name of the company; Company staff use illegal means to collect debts or instruct others to collect debts illegally; The actual interest rate of loans issued by the company exceeds the upper limit stipulated by judicial interpretation or is lower than the lower limit of loan interest rate announced by the People's Bank of China; The company illegally evades registered capital or evades registered capital in disguised form in the form of loans; The company has off-balance sheet business activities; The company issues loans to industries explicitly prohibited by shareholders and industry authorities; The company is engaged in external guarantee business, cross-regional business, business beyond the scope of business, and large loans beyond the proportion. ; Other acts prohibited by laws, regulations and competent departments.
4. What acts are illegal loans?
Although online lending has brought a lot of convenience to people, it has also spawned a large number of illegal lending institutions, which engage in behavior in the name of online lending. So which behaviors belong to illegal lending?
1. Gangdom: This is a crackdown by the state at present. It is illegal to organize, lead or participate in organized illegal and criminal activities by violence, threats or other means. Mainly depends on the impact of online loan collection. Those who commit illegal and criminal activities, commit evil deeds, oppress the masses, force debts, obtain illegal economic benefits, and seriously undermine the order of economic and social life can be identified as underworld organizations.
2. Forced debt: There are many cases where borrowers will use violence, threats, deception and other means to obtain illegal benefits, and may also be suspected of extortion, robbery, kidnapping and other crimes. In particular, it is illegal to intentionally hurt the borrower and his relatives, force the borrower to pay off debts at a low price for a house, intentionally smash all the borrower's property, forcibly break into or refuse to leave the borrower's normal life.
3. The crime of lending: If the purpose of lending is to obtain credit funds from financial institutions and then lend them to others at high interest rates, the behavior with a large amount of illegal income belongs to the crime of lending at high interest rates.
At present, the financial industry is emerging one after another, and many borrowers are facing the dilemma of violent collection. They can collect evidence, call the police for help and don't compromise easily. Once contaminated, it may fall into the strange circle of repaying loans with loans.