Personal credit loans, if the credit situation is not good, you can find a guarantee company, but the guarantee company will generally charge a guarantee fee. According to the regulations, personal loans refer to local and foreign currency loans issued by lenders to qualified natural persons for personal consumption, production and operation. Interim Measures for the Administration of Personal Loans Article 4 Personal loans shall follow the principles of compliance with laws, prudent operation, equality, voluntariness, fairness and good faith.
Is it safe to borrow money from a guarantee company?
Whether it is safe or not depends on whether the guarantee company you are looking for is formal or not. Generally speaking, formal guarantee companies are still very safe.
The method of distinguishing formal loan guarantee companies;
1. The legal text is rigorous and the operation is standardized. Old-established guarantee companies often strictly abide by national laws and regulations, and will not operate illegally for short-term interests, nor will they touch the "high-voltage line" of the industry. In operation, any violation or unexpected factors may pose a potential threat to the interests of investors, so it is necessary to formulate a rigorous legal text to clearly stipulate the rights and obligations of investors, borrowers and guarantors in the contract. Only in this way can the interests of all parties be fully guaranteed. This is also an important aspect of judging guarantee companies.
2. Fully understand the assets and social reputation of the guarantee company.
3. We can know from the guarantee company's operating years, the number of customers and the number of days without overdue.
Formal guarantee companies do not pay any fees before lending, nor will they charge any extra fees, such as home visit fees and material fees from customers.
Usually, the guarantee company has advantages: the loan amount is high-according to the regulations of most banks, the maximum amount of mortgage loan is only 70% of the appraised value of the mortgaged house, but if the borrower finds a guarantee company to operate, it is likely to achieve a satisfactory full loan result. For the same reason, some users who applied for mortgage loans even realized their desire to buy a house with zero down payment.
Low application threshold-when the application materials are incomplete and the mortgaged house does not meet the requirements, it is difficult for the borrower to apply for a loan from the bank, and the outcome often ends in failure. However, if there is a guarantee company to guarantee for you, things are expected to turn around. It is not difficult to see that another advantage of the guarantee company is to serve users who cannot obtain loans directly from banks.
The disadvantage is the rising cost of loans-there are advantages and disadvantages in finding a loan from a guarantee company. Compared with direct bank loans, the guarantee company has an extra loan guarantee service fee, which 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.
How do individuals get loans from guarantee companies?
Personal borrowing from guarantee companies means that banks do not lend directly to individuals in order to reduce risks, but require borrowers to have a third party as their credit guarantee, most of which are guarantee companies or individuals with good credit status.
Personal loan process of guarantee company:
1. The lender consults and selects the guarantee company, and then submits the personal consumption loan application, personal identity certificate, work certificate and personal information to the guarantee company, and the guarantee company accepts the project.
2, the guarantee company to conduct a comprehensive and all-round investigation of the applicant, after the investigation for approval.
3. Sign the main contract, guarantee contract, counter-guarantee contract and other legal documents after approval and collect the guarantee fee.
4. The guarantee company will submit the relevant information of the lender to the bank, and the bank will issue the loan after review.
Legal basis:
Article 11 of the Interim Measures for Personal Loans
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
It is not easy to get a loan from a guarantee company. Yes, you can.
If the credit is not good, you can go to the guarantee company for a loan, which can improve the probability of the loan passing. If it is spent on credit investigation, there is no need to find a loan guarantee company to guarantee the loan. Just because financial institutions have too many historical records on personal credit information, it is easy for financial institutions or loan companies to think that the economy is unstable, so that they can't repay on time, but it is not as serious as the bad credit record on personal credit information. So as long as the borrower can provide enough assets to prove that he has certain economic conditions and the ability to repay on time, it is ok not to find a loan guarantee company. In fact, as long as financial institutions can be convinced that individuals have repayment ability and there is no problem with personal credit report, then the possibility of successfully obtaining loans will be great. The above is irrelevant to the difficulty of borrowing money from a guarantee company.
How to get a loan with bad credit?
1. Handling bank loans: For people with poor personal credit, it is more difficult to apply for loans from banks only by relying on personal credit. Therefore, customers can choose to apply for bank loans. Generally speaking, the real estate industry and vehicles can be used to handle bank loans;
2. Choose a low-cost peer-to-peer lending platform: some customers of peer-to-peer lending platforms with low thresholds can try it, but the credit line of peer-to-peer lending platforms is generally low, especially for users and customers with poor personal credit information, and the credit line is only a few thousand or even hundreds;
3. When the personal credit record is cleared: after the user settles the loan, the bad personal credit record will be cleared automatically after 5 years. Generally speaking, a bad credit record lasting for more than 2 years will not cause more harm to customers. Therefore, customers can apply for loans after the bad credit records are cleared or the harm is reduced.
What does personal credit reference mean?
Personal credit investigation is a personal credit investigation institution established in accordance with regulations, which collects, produces and processes personal credit information, provides specific contents of personal credit investigation and evaluation business according to customers' requirements, and mainly records basic information, bank credit information, non-financial liability information, public information and inspection information. This paper is mainly about the knowledge that it is not easy to find a loan from a guarantee company for credit investigation, and the content is for reference only.
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