Not reliable. There is no such thing as helping loans. Loans must be approved according to personal credit information, and there is no shortcut.
First, common loan fraud
1. Scam 1: No guarantee is required.
Many online loan advertisements advertise that their home loans are "unsecured and unsecured". In fact, they use these false advertisements to attract those who are in urgent need of loans and guide them into scams. This kind of fraudulent loan has almost no loan conditions, no mortgage, no guarantee and extremely low interest. But this is neither, nor does it set a threshold. Is there really such a good thing? Borrowers should think carefully.
2. Scam 2: The loan must be repaid first.
Generally speaking, formal lending institutions will not charge any fees before the loan is successful. Therefore, if the borrower needs to pay the handling fee and other expenses in advance when applying for a loan online, then there is a 99% chance of encountering a liar.
3. Trick 3: Just need an ID card.
Mortgage loans need collateral, and borrowers need stable jobs, bank salaries and good personal credit to successfully apply. There is no such thing as a loan with only one ID card. If when you apply online, the other party says that you can get a loan with your ID card, then the other party must be. Don't be cheated.
4. Scam 4: You don't need to meet and fax the contract.
Although online loans can submit application materials online, they usually choose to sign the contract in person in the end, so the other party says "no need to fax the contract in person", so you really have to think about it. Don't fall into the trap.
2. Personal loan channels
1, personal loan channel of online loan platform
Online lending platform should be the choice of most people now, and its main features are: unsecured, relaxed in review, fast in lending, pure credit loan, simple and convenient in operation, and generally low in quota. Now the loan platform is also divided into P2P loans and B2C loans. P2P loan is person-to-person, the typical representative is Lending Treasure, B2C loan is company-to-person, and the typical representative is China Mobile's mobile phone loan. Although the loan platform has many advantages and is suitable for small people, we should also pay attention to our own information security. When choosing an online lending platform, it is necessary to examine whether the platform background can bear certain risks. For example, the products of China Mobile mentioned above are state-owned products, which are relatively safer.
2. Bank loan channels
Compared with the other two channels, banks are the most acceptable loan channels. The main characteristics of bank loan channels are complex procedures, long process, strict conditions and short cycle. You are more at ease in all aspects of bank loans. Don't worry that if you don't see the contract clearly, you will bear high interest and fall into the trap. You don't even have to worry that someone will threaten you at your door with a knife when you really can't afford it. However, banks are not suitable for everyone to choose loan channels. On the one hand, it is because the application conditions are harsh, there are too many restrictive clauses, the procedures are too complicated, time-consuming and laborious, and sometimes it may not be completed in one year; In addition, the loan period is relatively short, and long-term investment can rarely be loaned; Finally, the loan amount is relatively small, and it is difficult to solve all the funds needed for enterprise development through banks. Especially in the start-up and start-up period, it is difficult for enterprises to obtain bank loans because of the high loan risk. Bank loans are mainly personal housing loans, or commercial loans are more appropriate.
3. Lending company channels
The channel characteristics of loan companies are: offline application, fast approval speed and low handling fee. It is very fast to approve loan applications in loan companies, and you can also enjoy high-quality credit services. However, loan companies also have certain risks. On the one hand, loan interest is much higher than that of banks, and some loan companies will charge a certain fee. On the other hand, loan companies are mixed, and if they are not carefully distinguished, they will easily fall into the trap of the company.
Is the loan company reliable?
Not necessarily. The loan assistance company is actually an intermediary company. Collect service fees by handling customer loans. Loan companies not only cooperate with banks, but also have more other channels. The products in the bank will also be limited to cooperative institutions, so finding professional institutions can solve more problems than individuals, what materials need to be prepared, what matters need to be paid attention to and so on. Moreover, loan assistance companies will recommend products with the lowest interest rate, because there is a handling fee.
But there are many such companies, and there are also many informal companies. For example, charging fees and planning for customers. The loan company must have an actual office address, and the office should be official. A loan assistance company without an office address may be a fake loan assistance company. The loan assistance company may run away at any time, and you can't find it.
Please be sure to sign offline. Whether the customer service answers the phone in time and whether the service is in place. Enterprises with poor strength must also have poor service capabilities. This also reflects the reliability of the company. We all know that loan assistance companies charge fees. It depends on whether the charging process and rate of the loan company are standardized and whether there are loopholes in the contract. Formal loan companies only charge after the loan is successful, and do not charge if it is unsuccessful.
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Repayment method:
(1) Equal principal and interest repayment method: equal monthly repayment of the sum of loan principal and interest. For housing provident fund loans and commercial personal housing loans, most banks have adopted this method. So the monthly repayment amount is the same;
(2) average capital repayment method: The borrower distributes the loan amount to each installment (month) in the whole repayment period, and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;
(3) Repaying the principal and interest on a monthly basis, that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and is repaid on a monthly basis;
(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance by applying to the bank. Generally it is an integer multiple of 10000 or 10000. After repayment, the loan bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, subject to the new repayment period. Don't exceed the original loan term.
(5) prepayment of all loans: that is, the borrower applies to the bank to pay off all the loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.
I have the current date. Is it reliable for the loan company to say that it can help me with the loan?
Not necessarily reliable. Loans through loan companies are not reliable, mainly because loan companies are not reliable. Lending assistance has two sides: on the one hand, it helps lending institutions to lend, on the other hand, it helps lenders to obtain loans.
This concludes the introduction of the reliability of loan assistance and the reliability of loan assistance by financial companies. I wonder if you have found the information you need?