1. Com: Personal loans mainly include double gold loans, nouveau riche loans, homeowners' loans, life insurance loans and personal mortgages. Provide loans to borrowers with different occupations and uses, with a maximum amount of 200,000, and lend within a few days.
2. Auction loan: The first loan amount is between 1000- 10000 yuan. Need to provide personal basic information, ID card and other pictures. The maximum amount of individuals is 200,000, and the maximum amount of enterprises is 6,543.8+0,000.
3. Ping An Hewlett-Packard: There are many products, including I loan, oxygen loan, life insurance loan, owner loan, owner loan, excellent mortgage, salary loan, home e loan and so on. Suitable for users seeking formal and reliable lending institutions.
4. Zhongan Xinye: Suitable for commercial companies, office workers, mortgages, personal credit loans, etc. The term is at least 6 months, and the loan is the fastest on the same day, which can meet most of the capital needs.
How to determine a formal private loan company?
First check the naming process.
It can be judged by the name of the lending institution. The name of a lending institution generally consists of "county administrative division+font size+industry+organization form". Only with the policy permission of the People's Bank of China and China Banking Regulatory Commission, and with the approval of the Financial Work Office of the provincial people's government, can the word "small loan" be legally used. When handling loan business, you can observe the name hanging in a prominent position on the business license to distinguish it.
In addition, in addition to the business license and other procedures that general enterprises need to handle, lending institutions should also have the "Approval Letter for Opening Business" issued by the Provincial Finance Office.
Secondly, look at the loan interest rate charges.
Another criterion is the loan interest rate of the lending institution. The upper limit of the interest rate of small loans is liberalized, but it cannot exceed the upper limit prescribed by the judiciary (four times the benchmark interest rate of banks in the same period); The lower limit is 0.9 times of the benchmark loan interest rate announced by the People's Bank of China.
In addition, although the names of scammers are ever-changing, more than 90% of loan scams are "advance expenses". Be careful to charge fees in advance, such as interest margin, and the formal loan process will not let borrowers pay in advance.
Finally, look at contact information.
Caution is the key to preventing fraud. Generally, the websites of informal microfinance institutions or the information published by them only provide contact information such as mobile phone numbers (mobile phone numbers are likely to be non-local numbers) and QQ numbers, and rarely provide local fixed telephones. Moreover, informal microfinance institutions generally do not disclose their specific contact addresses. If the loan applicant asks for on-site consultation, informal microfinance institutions will fabricate various reasons to refuse the applicant's on-site consultation. Regular lending institutions generally provide local fixed telephone numbers, specific office addresses and other contact information, and take a very welcome attitude towards home visits of loan applicants.