Credible. Loan Music Network was established on 20 13 and 12, and it is a P2P online loan service platform. Official website shows that the company is a formal company protected by official website's certification law and is credible. The company builds a relaxed, convenient, safe and transparent online trading platform for enterprises and lenders with capital needs. The company was established by Beijing Lender Information Consulting Co., Ltd. with a registered capital of 654.38 million yuan.
How to borrow money online
There are too many lending institutions and banks that handle real estate mortgage loans, which one to choose has become a headache for many customers, because it is very important to consider security, interest rate, amount and loan. The speed difference between different banks and institutions may be about 1 month. So, which bank is good for real estate mortgage loan? Which bank has the lowest mortgage interest rate?
Comparative application conditions
Different banks have different conditions to apply for real estate mortgage loans, such as credit status, personal income, work unit, repayment ability and so on. Applying for real estate mortgage loan in a loan company mainly depends on whether the real estate value is high or not and whether it has liquidity. Credit status is good or bad. Borrowers in debt can generally borrow from banks or loan companies as long as they can provide qualified real estate mortgage.
Comparative loan interest rate
Compared with credit loans, the risk of real estate mortgage loans is lower because there is real estate as a guarantee for bank loans. However, at present, the interest rates of mortgage products of various banks are different, and the loan interest rates of the same bank in different regions will be different.
At present, the mortgage interest rates of banks are all floating on the basis of the benchmark interest rate. 20 17 The benchmark annual interest rate of banks is within one year (including one year), 4.35%, 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it
Compare approval speed
There are many procedures in the real estate mortgage bank, and the approval time will be longer. It will take about 20 working days at the earliest to get the loan. The loan company has simple procedures and quick approval, and it usually takes 10 working days to get the loan.
Compare loan amount
Generally speaking, the amount of mortgage bank loan is related to the assessed value of the house, and the highest is about 70%.
Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing cost and handle large-scale bank loans conveniently and quickly, we usually go to professional institutions, such as Su Fang. They rely on professional industry knowledge to help customers solve intractable diseases in the financing process and choose the most suitable financing scheme from thousands of banks. Housing loan financing consultation hotline: 0769-33888836
Is Le Loan Network true?
Le Loan Network is an Internet financial service platform, which is committed to providing investors with safe, secure and high-yield Internet financial services and solving the financing difficulties for small and medium-sized enterprises. Through the above analysis, we can also see that Leyin.com is relatively reliable, and the platform has disclosed relevant qualifications and operational data, so it should be a regular platform.
Reliability of Le Loan Network:
I. Safety of funds
1. Third-party fund custody: Leyin.com and Remittance.com have reached a cooperative relationship, and the funds are supervised by a third party, Remittance.com. No one has the right to operate your fund account except yourself. Strictly following the regulatory principle of peer-to-peer lending, Remittance.com opened a special account for third-party funds for Leyin.com. Remittance.com's special fund account can manage the outflow of funds, and Remittance.com will review the funds in the account to ensure the safety of investors' funds.
2. Data security: the access layer, application layer and data layer cluster of the three-layer firewall isolation system; Effective intrusion prevention and disaster recovery backup to ensure the security of transaction data;
3. Privacy: Leyin.com will not sell, rent or disclose your information in any way under any circumstances. According to the Leyin.com Investment Consulting Service Agreement, your information will be strictly protected. ..
II. Platform Risk Control
Cooperative guarantee institutions and Leyin. com have conducted strict audits on each loan project:
1. The cooperative guarantee institution conducts off-line field visits to each loan to cross-check and verify the authenticity of the borrower's information;
2. Audit materials, including 15 borrower's bank account, credit report, property certificate, real estate license, work certificate and other necessary materials;
3. Investigate the background of borrowers and contacts in detail. The borrower needs to provide three contact methods, all of which are verified by the small loan company and the borrower by telephone;
4. Assessment of the borrower's repayment ability.
Through the above three audits (especially 1 and 2), the borrower's real monthly net cash flow is restored. After passing the above four audits, the borrower was recommended to Leyue.com, and the risk control team of Leyue.com conducted a second audit on the borrower according to its own risk control standards.
(1) Review the loan information again to ensure that the loan provided by the cooperative organization is authentic. Confirm its identity, contact person and repayment ability, and query the anti-fraud database and the records of the executed person according to the customer identity information;
(2) Check four categories 14 credit information of borrowers (including personal information, credit information, property information and work information) to ensure that each loan is of high quality;
(3) Blacklist management: dynamic data management of the borrower's blacklist.
It's Huidai. A regular company?
Yes
Guangzhou Huiyin.com Investment Consulting Co., Ltd. is a limited liability company, which was incorporated in Tianhe District, Guangzhou City, Guangdong Province on 20 18-03-07.
Generally, all kinds of financing companies have it, but they benefit from loans. Com is mainly a product of banks, so their model is still very safe for borrowers.
How about the group loan network? Is it reliable?
The p2p industry has only started to break out in recent years, but due to insufficient supervision, there are many companies that run away and illegally raise funds. It is very important to choose a good loan platform, such as group loan network.
Brief introduction of group loan network:
The group loan network belongs to Dongguan Junte Group, which already owns Dongguan Junte Financial Investment Co., Ltd. and Dongguan Junte Credit Consulting Co., Ltd., and is a local financing consulting service platform that has been in operation for more than 2 years. Its perfect service and business philosophy make it occupy a certain customer base and market share in the local area. The birth of group loan network not only continued Gunter's strong concept, but also used its mature market resources. Under the current mode of the industry, in order to reduce the risk of investors, the group loan network first proposes to introduce a guarantee institution recognized by the third-party financial bureau as the guarantor of the borrower, and at the same time ensure the absolute safety of investors' funds.
How about the group loan network?
From the beginning of its establishment, through a lot of practical research and market analysis, the group loan network has positioned its target market and service groups as a large number of small and micro enterprises in China, and their financing loans are generally at the level of several hundred to ten million. Tuandai.com combines its own reality, embarks from the local market, and deeply cultivates the Dongguan market. After a considerable period of exploration and experience accumulation, we gradually expanded our business to the Pearl River Delta and other parts of the country, including Sichuan and Shanghai. The financial service products developed by Tuandai.com for small and micro enterprises mainly include:
1. Retail loan products derived from "revolving loan" will innovate and upgrade the revolving loan and adopt the distribution retail model.
Advantages are: short cycle, low risk coefficient, and the borrower and retailer bear joint and several liabilities.
2. Shangyou loan products, based on the products of Minsheng Bank and China Merchants Bank, the group loan network is a credit service product that provides fast financing for small and medium-sized enterprises and improves the utilization rate of funds.
Advantages: fast, safe and recyclable.
3. The joint loan product is a product developed on the basis of studying the bulk loan products of Minsheng Bank and combining the existing resources of the group loan network, which opens up a "expressway" for loan financing for small and micro enterprises.
Advantages: high speed, low risk factor and multi-party guarantee.
4. The special secured loan product is a special loan product formulated by the group loan network according to the Dongguan market. It is suitable for regular employees of local government agencies and institutions in Dongguan, working for over 1 year.
How to choose a platform? Well-known domestic loan platform "
",certification and loan only take two hours, and more choices are waiting for you to choose! Service hotline: ()
How to consult China Bank's mortgage?
For details, please consult the loan handling bank of Bank of China. Or call the customer service hotline of China Bank at 95566 for more loan information.
The above contents are for your reference. Please refer to the actual business regulations.