It is legal to be constant and constant. Heng Chang, headquartered in Beijing, is a formal and legal microfinance institution, which is well-known in China at present. In Wuxi, Dalian, Qingdao, Chengdu and other more than 20 cities across the country with branches.
First, constant and constant financial integration is also legal.
There are many online lending and wealth management apps, which are generally legally registered, but you should pay more attention when using them, especially when applying for loans through some small apps. You should also pay attention to the interest rate of loans and the time of loans. Be sure to sign relevant contracts.
In fact, the best way to apply for a loan is to apply directly through a regular bank. Although some small apps can apply for short-term loans, the amount is not particularly high, and it is very convenient to apply for loans, but more applications for such small loans will also affect personal credit information.
Second, is constant Yi Rong a regular and legal cutting?
1, company qualification
First, check the qualifications of the lending platform company. Most of the business license names of regular small loan companies contain the words "small loan". Unclear friends can directly log in to the credit information publicity system of enterprises in this province for inquiry. Secondly, regular small loan companies only lend but not save, and the contact information must be fixed telephone. If it is a mobile phone number, it seems a bit false and untrustworthy.
2. Arbitrary charges before lending
We should know that formal financial lending companies will not charge borrowers any fees before lending. If you need to pay various fees such as deposit, handling fee, security deposit, service fee and beheading interest before applying for online loan, please stop lending immediately.
3. Audit mechanism
The review mechanism of the formal online lending platform is strict, and some not only check the big data of online lending, but also check the credit report of the user's central bank. If the online loan application procedure you borrowed is too simple and the loan interest rate is too low and unattractive, you must pay more attention to avoid encountering routine loans.
4. Loan interest rate
According to the relevant laws and regulations of our country, the annual interest rate of loans can be protected within 24%, and if the annual interest rate exceeds 36%, it can be characterized as usury, and the borrowers who exceed it can not repay. If the interest rate of online loans borrowed by everyone is too high, it will inevitably be unreliable.