The first choice is banks, and then formal small companies. Under normal circumstances, it is not recommended to apply for online loans. Don't trust the loan products recommended by online articles, because the loan products change every day, and each product adapts to different customer groups.
For example, one of my clients in Beijing paid him 5 million yuan with 3% interest. His friends thought his qualifications were up to standard, and he applied for it himself. As a result, he didn't pay back a penny, and the credit was broken.
How to tell whether the company is formal or not?
1. First of all, the formal guarantee company has office space, and the office address is unique;
2. The service fee will be charged only after the general loan is successful, and there is no upfront fee;
3. Loans require a lot of information, but it is generally not credible to handle all loans only by ID card;
4. The company has a fixed office space, official website and customer service telephone number. , can be initially judged as a formal loan company. But this is only preliminary. After that, you need to visit the company in person and check the evaluation online.
Choose a loan company carefully to avoid being cheated.
For example: 1, if the interest rate of the loan company you choose is very low, you must be cautious.
If that loan company doesn't have a business license or even a fixed telephone, you should be careful.
3. If he doesn't need your ID card, real estate license, income certificate, etc. You should also be careful. Therefore, when choosing a Beijing loan company, you must choose a formal one with complete qualifications, which is safer.
Well, I hope it helps you. If you have any questions, please consult us online for detailed answers.