Personally, I think it is more cost-effective to borrow money from the bank. Nowadays, many banks provide good microfinance. For example, the micro-loan launched by Weizhong Bank can repay the principal and interest for several days in a row, and there is no handling fee for prepayment. My current daily interest rate is 0.02%. Last time I borrowed 1 10,000, it took 10 days, and the interest was paid in 20 yuan, which was still very cost-effective.
Second, what is the difference between not repaying the bank loan and not repaying the loan from the loan company?
The bank will take out and seal these items for you. Small loan companies will send people to collect loans on behalf of small companies. Should lenders bear criminal responsibility?
Usually it's not you. And it belongs to civil affairs.
3. What's the difference between personal business and corporate business of a bank?
The differences between personal business and corporate business of banks are as follows
1, business treatment is different: private is mainly for individual customers; The princess should handle the business of the enterprise company.
2. Different types of handling: personal services mainly include deposits, loans, payment and settlement services provided by banks to individual customers; However, company handling also includes company deposit business, credit business and so on.
3. Different processing time: Most banks handle corporate business on Saturday and Sunday, but they can handle private business.
4. Different handling methods: private business can be handled at the counter, or through other ways of the bank, such as ATM withdrawal, while corporate business can only be handled at the bank counter.
4. What's the difference between bank loans and corporate loans?
Now, because of different qualifications, the overall interest of financial companies is higher than that of banks, but the application conditions are lower than that of banks. Personal credit is good and repayment ability is clear. When getting married, both husband and wife can suggest or choose a bank, and vice versa. But the eyes of choosing a financial company should be polished.