Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans and interest subsidies? A general term for borrowing funds such as overdraft.
Lenders need to guard against fraudulent lenders:
1. The loan requirements are extremely low, no mortgage is required, and there are no other requirements. It can be said that you can get a loan if you want.
2. The lender is afraid to disclose the name of his company, can't provide the company's business license or the company has no investment scope, can't provide formal contract texts and invoices, and won't even give you a fixed telephone number. You only know the other person's cell phone, but you can't even see the other person's face.
Before the loan reaches your account, you should charge your so-called travel expenses, interest, handling fees, attorney fees, etc. Anyway, you just want money, and after you get it, you won't be treated again.
Extended data:
Matters needing attention in applying for a loan:
1. The information provided to the bank should be true, my address and contact information should be accurate, and the bank should be informed in time if there is any change.
2. The loan purpose should be legal and compliant, and the transaction background should be true.
3. According to your repayment ability and future income expectations, choose the repayment method that suits you.
4. Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income.
5. Read the terms of the contract carefully and know your rights and obligations.
6. Repay on time to avoid bad credit records.
7. Don't lose the loan contract and IOUs. For mortgage loans, don't forget to cancel the mortgage registration after paying off the loan.
8. prepayment must be handled by communicating with the bank one month in advance.
9. When a foreigner applies for a commercial loan, the bank generally requires the borrower to have a stable income in the local area, and to open a household registration certificate at the place where the household registration is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.
References:
Baidu encyclopedia-loan