First, offline loans The traditional loan channels originate from offline, and there is a loan demand. People first think of major banks, such as China Bank, China Industrial and Commercial Bank, China Construction Bank, etc. It is safer to borrow money from the bank, which is the first choice of many people. In addition to banks, offline lending institutions include companies, small and medium-sized financing guarantee companies, third-party financial institutions and so on. Second, in addition to the traditional loan channels, there are many online channels to apply for loans.
The establishment of P2P was born between fundraisers and investors. Compared with traditional loans, Internet finance can avoid risks such as illegal fund-raising, bad debts and running away. Internet finance has no fixed investment group, which can effectively solve the safety of platform operation and protect the interests of investors. In addition to online lending platforms, traditional financial institutions have also opened online lending, and online lending options are increasing. Third, mobile phone mobile loans now have many loan apps. Netizens download the relevant app and fill in the relevant information according to the prompts to get a loan.
This kind of loan is generally, and the loan is fast. It should be noted that no matter through what channels to apply for loans, there are certain conditions. In China, the loan target is China citizens who are over 18 to 60 years old and have full civil capacity. Moreover, when applying for a loan, the qualifications of the lender are also very important, such as personal credit information and repayment ability.
2. What are the business channels?
It depends on the local banks, some don't need mortgage, some need VIP guarantee, and some need mortgage before lending! It is suggested to ask at the local bank.
3. What are the publicity channels you want to ask?
It depends on the local banks, some don't need mortgage, some need VIP guarantee, and some need mortgage before lending! It is suggested to ask at the local bank.
4. What are the personal loan channels?
I. Banks Generally speaking, although other lending companies do not lend like banks, most lending companies borrow money from banks. There is no doubt that banks are the first choice for formal personal loans. The specific characteristics of regular bank loans are as follows: 1. The main terms of the loan only need the consent of the bank, and do not need the approval of the national financial management institutions, securities management institutions and other departments; 2. In the case of economic changes, if it is necessary to change the relevant terms of the agreement, the borrower and the lender can negotiate flexibly. 3. For commercial credit, the lender and the lender directly negotiate the credit price adjustment, which does not require a lot of publicity and advertising, and does not require a lot of documents. Although banks have many advantages as a formal personal loan method, applying for personal loans from banks requires too much information, higher requirements and longer approval time. Many lenders either failed the application conditions or couldn't wait for the approval time. If the applicant has a good credit standing and earns more than 4,000 yuan a month, the bank is really a good choice. Second, compared with the cumbersome bank loan process, the company not only has a low application threshold, but also has relatively simple procedures. The borrower calls the company in advance to inquire about the relevant loan matters, and then submits the application materials to the company. After the company is approved, it will sign a contract with the borrower and lend money, and the borrower only needs to repay the loan on time. So it is better to borrow money from the company. The premise is a regular company. Third, the biggest advantage of online lending platform online lending platform is that borrowers who are difficult to cover by traditional banks can fully enjoy the efficiency and convenience of loans in the virtual world. It specifically recommended local certified lending institutions for borrowers, and borrowers can also choose according to their actual situation. So, how do we judge whether an online lending platform is formal? Generally speaking, we can start with the following points: 1, depending on qualifications. To judge whether an online lending platform is reliable, we must first look at whether the platform has ICP filing; Secondly, whether the company registration information is displayed on the website, including registered capital, legal representative, registered address, etc. The registered capital of the online lending platform is generally not less than 5 million yuan, and the detailed registered address is convenient for investors to conduct field visits. 2. Look at the platform page and mode. Many small platforms spend little money to apply for a template because of limited funds. Such a small platform is not reliable in terms of empty shells and no style of pages. A formal and reliable online lending platform should be able to give professional analysis and suggestions according to the capital situation of investors and the capital needs of borrowers; At present, many platforms claim that 100% principal is guaranteed. In fact, as a principal guarantee, it is not an end. Investors are willing to invest money, but in the end they don't want to recover the principal. It is the original intention of investors to obtain higher returns under the condition of safety and security. 3. Look at the interest rate. Whether the interest rate of a platform is normal is an important criterion to judge whether a platform is normal. Generally, the interest rate announced by a platform is around 6%-24%. If the platform you apply for is beyond this interest rate range, be careful. 4. Look at the flow of funds. It is not difficult to see that the previous online lending incidents, whether due to mismanagement or malicious deception, are all because the platform can directly contact user funds. Therefore, it is the safest way to put investors' funds on the third-party payment platform so that online loans can't reach users' funds. In short, we must study and understand the ways to apply for loans in detail, and don't follow the trend and get lost.