In general, if the borrower's qualification is not enough to apply for a portfolio loan from the lending bank, then a guarantee is generally needed.
Second, if you want to borrow money, your personal qualifications are not good and you can't borrow money directly from the bank. Which guarantee company is good? I come from Beijing.
First of all, a formal guarantee company will not charge you any fees before lending money. The guarantee companies that can do personal credit guarantee business in Beijing include: Hanhe Ding Sheng, Rongbaotong Investment Guarantee, CIC Jianxin, Zhucheng Brothers Investment Management, etc. Specific information can be compared with Rong360-Beijing Guarantee Consulting before making a choice.
Third, if you want to borrow money, your personal qualifications are not good and you can't borrow money directly from the bank. Which guarantee company is good? ...
Bank loan? What kind of bank loan? There are many kinds of bank loans. I want to know what kind of bank loan you need. What is the purpose of bank loans? You haven't made it clear about the bank loan How can I answer your question about bank loans?
Generally speaking, the conditions for bank loans are:
1. The borrower must be a natural person who has reached the age of 18 and has full capacity for civil conduct;
2. Have permanent residence or valid residence status in China;
3. Have stable professional and economic income, good credit and the ability to repay the principal and interest of the loan;
4. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. Documents proving the purpose of the loan;
5. Have the ability to repay loans;
6. Provide a valid certificate approved by the lending institution;
7. Other conditions stipulated by the lending institution.