Hao Yue Guarantee is the technology and finance Cooperation Organization of xi Science and Technology Bureau, a member of Shaanxi provincial government financing guarantee system, and the vice president of Xi Private Finance Association. 64.3 billion yuan to establish Hao Yue Financing Guarantee Co., Ltd.. The company is one of the second batch of guarantee institutions in Shaanxi Province that have obtained the business license of financing guarantee institutions. The company's business scope includes: main loan guarantee, bill acceptance guarantee project financing guarantee, financing guarantee business allowed by letter of credit, etc.
First, find a loan from a guarantee company.
Security depends on whether the guarantee company you are looking for is formal or not. Generally speaking, formal guarantee companies are still very safe. Old guarantee companies often strictly violate the rules of interest and will not touch the "high-voltage line" of the industry. In operation, any irregularities or unexpected factors may pose a potential threat to the interests of investors. Only when the rights of investors, borrowers and guarantors are clearly stipulated in the contract can the interests of all parties be fully guaranteed.
Second, the guarantee company charges
When you need to apply for a bank loan, but for some reason, you can't pass the bank approval smoothly, you can ask the guarantee company for help. With the cooperation channel between the guarantee company and the bank, users successfully handled their own bank loan products. However, there is a certain cost for the guarantee company to provide loan guarantee services for everyone, so the guarantee company will also charge a certain fee after providing services to users. Specifically, the charging standard of the loan guarantee company is about 1%~5% of the loan amount. According to the different risk levels of loan projects, different charging standards are implemented.
To sum up, finding a guarantee company has advantages and disadvantages. Compared with direct bank loans, the guarantee company correspondingly increases the borrower's loan cost. However, if the borrower can compare the charging standards of the guarantee company, the loan cost can also be controlled to a certain extent.
Second, which lending platform is reliable? You can look at these platforms.
When it comes to borrowing money, in addition to caring about the loan amount and interest rate, we also have certain requirements for the loan platform. After all, choosing a big platform to borrow money may make the borrowing process relatively simple. With so many platforms on the market, which platform is reliable for borrowing money? This must be that the lending platform of the licensee is more credible. Let's take a look at several more reliable lending platforms.
Which loan platform is reliable? 1, Money Spending is a credit loan product of Baidu. Cooperate with seven major banks, and the source of funds is authoritative. When borrowing money, you only need to provide your ID card and bank card. When applying, there are only three steps. Open the Qianhua app, click "I want to apply", fill in the relevant information, get the quota, and then click "I want to borrow money". The line can be paid in real time and repaid the next day without advance payment. 2. Ctrip Finance Ctrip Finance is the official personal microfinance platform of Ctrip Group, with a loan amount of up to 200,000, which is repaid with the loan and bears interest every day. Its credit products can be "spent" interest-free for up to 40 days, and the borrower can spend it first and then repay it on the specified repayment date without interest. For new users, Ctrip Finance also provides the highest interest-free coupon in 80 yuan to encrypt loan information and guarantee loans. 3. Ping An Small Orange Blossom Ping An Small Orange Blossom is financed by Ping An Consumer, which is relatively more suitable for borrowers with higher education. College degree or above, the loan amount may be higher, but students at school can't apply. The loan approval of Ping An Xiaojuhua is also very fast, and the loan can be released as soon as 1 minute, which can cover the whole consumption scene. The credit line given is always available and easy to use. When it comes to which loan platform is reliable, we can mainly examine it from three aspects: platform background, loan interest rate and loan process. All three platforms have licensed institutions, and the loan process is relatively simple. You can choose a suitable loan platform according to your actual situation.
Third, who can't borrow money, but there are so many loan platforms, which one is the most reliable?
From a practical point of view, the basic conditions for loans are:
First, Chinese mainland residents, under the age of 60;
Second, it has a stable address and work or business premises;
Third, there is a stable source of income;
Fourth, there is no bad credit record, and loans cannot be used for stock trading and gambling;
Fifth, have full capacity for civil conduct.
4. What is a formal lending platform?
According to the level of qualification and interest rate, it can be roughly divided into the following categories:
First, the five major banks and the head joint-stock banks
Many people's stereotype of banks is loans, that is, they have nothing for their own use except credit cards. In fact, this state has become a thing of the past, and now banks have comprehensively enriched their product lines. So at present, no matter the five major banks such as Bank of China, Industrial and Commercial Bank of China, Agricultural Bank, China Construction Bank and Bank of Communications, or the major joint-stock banks such as China Merchants Bank, China CITIC Bank, Minsheng Bank, Industrial Bank, Ping An Bank and Guangfa Bank, they all have their own apps, and they can already apply for credit loans in their own apps. However, after all, it is the head office, and the risk control requirements are relatively high, so the entry threshold is also relatively high.
Second, city commercial banks and private banks.
In addition to some head offices, many local banks now attach great importance to online lending. At the same time, due to the technical investment of these banks in online lending for many years, their online technology is also very developed. Well-known, such as some local city commercial banks, such as Bank of Beijing and Bank of Shanghai, and many private banks attach great importance to this business. Private banks are familiar with microfinance and online banking. This part of the online lending platform does not have such a high entry threshold requirement, but the interest rate is not as high as that of the people, and it can also be used as a good choice.
Third, the online lending platform of well-known brands.
If the threshold of the above banking department cannot be reached, then you can only choose some non-bank online lending platforms. However, as far as the pure online lending platform is concerned, there are many pits, and you need to be more cautious when choosing. It is best to choose an online lending platform under a well-known brand. Relatively speaking, the well-known brands in this respect are Bai Jie (under the Ant Group), Du Xiaoman (under Baidu) and JD.COM Gold Bar (under JD.COM). COM)。 Although these are not banking financial institutions, after all, their group brands are very good, so they are also relatively reliable brands.
abstract
There are many online lending platforms, but what platform to choose depends on your credit level. Online loans that can be applied for according to credit can be selected from five major banks, joint-stock banks, city commercial banks, private banks and small loan platforms under well-known brands.