Regular small loan companies are only allowed to conduct business locally, and they should handle it in person. Do not charge pre-loan fees or withhold interest, and never use the bank account under the name of an individual (so-called legal person, manager or financial controller) to charge fees. For example, small loan companies in Beijing are only allowed to issue loans within the districts and counties where they are registered. The business beyond the geographical scope and the business based on the network platform are scams, which should be companies that cheat or defraud in the name of regular companies. There are many companies that cooperate with banks, and formal or informal depends on the actual situation.
If you want to borrow money, the loan company that cooperates with the bank will help you with some imperfect procedures, and finally the bank will lend money. It is best to go to a bank or a formal guarantee company to apply for a loan. Online loans, private loans, and software APP loans are now very risky;
To apply for a bank loan, you need to prepare materials:
1. Valid ID;
2. Permanent residence or valid residence certificate, permanent residence certificate;
3. Proof of marital status;
4. Bank flow;
5. Proof of income or personal assets;
6. Credit report;
7. Use plan or loan purpose statement;
8. Other information required by the bank.
Requirements for bank loans:
(1) Persons who have reached the age of 18, have full capacity for civil conduct, have permanent residence for urban residents or hold valid identity cards, and the age of the lender required for bank loans is generally between 18-60;
(2) have a stable legal income and the ability to repay interest;
(3) Good credit information;
(4) Other conditions required by the lending bank. Generally speaking, a loan company opens an account in a bank and then keeps its own funds in the bank. When the customer needs a loan, the money will be distributed to the customer through the bank in the form of check, cash or transfer, and the bank mail will be completed. The loan company has also completed the task of deposit, and the loan company has also completed the task of lending.
Is the loan company that cooperates with the bank credible?
There are many loan companies that cooperate with banks. Whether it is formal or not depends on the actual situation. Generally speaking, it is basically credible.
Loan companies that cooperate with banks are generally formal. Because banks have to audit cooperative institutions, if there are problems in institutions, banks have to bear risks, so they will strictly check.
If you want to borrow money, the loan company that cooperates with the bank will help you with some imperfect procedures, and finally the bank will lend money.
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 costs and handle large bank loans conveniently and quickly, we usually go to professional institutions.
Risks of cooperation between banks and loan intermediaries
The lack of credit awareness of loan intermediary companies brings certain risks to commercial banks.
Illegal loan intermediary companies have the following potential risks:
The first is to defraud the loan risk. Illegal lending intermediaries combine the credit characteristics of customers, such as credit reports, assets, income status, etc., and comprehensively consider the approval standards of bank credit products. For customers with poor credit information and insufficient solvency, they can meet the formal requirements of credit approval by issuing false work income certificates, fictitious consumption contracts, and bank running water, so as to obtain credit funds.
Due to the uneven financial situation of lenders, it is difficult to guarantee the solvency, and it is difficult for banks to effectively supervise the post-loan funds. The risk of overdue default of credit funds continues to accumulate, which may eventually cause huge economic losses to banks.
The second is the risk of infringing citizens' information. In order to attract customers with capital needs, illegal loan-assisting intermediaries entrust them to handle financing loans and purchase a large number of social citizenship information through the Internet.
Then fake the names of major commercial banks, and send a short message similar to the normal promotion of banks' business "how much credit is given according to the comprehensive credit score" to induce customers in need to reply to the consultation.
In the follow-up process, in order to further dispel customers' doubts, the loan intermediary lied that it had a fixed cooperative relationship with the bank or designated the bank to publicize and introduce the lending institution. The above-mentioned behaviors of loan intermediaries not only gave birth to and encouraged crimes of infringing citizens' identity information and personal privacy, but also seriously damaged the image of banks and financial institutions and affected their credit.
The third is the risk of illegal cashing. Because customers themselves need to use credit funds for other purposes, illegal loan-assisting intermediaries apply for a large number of POS machines from third-party payment institutions in the name of companies or employees in order to maximize illegal interests.
And provide customers with credit fund services such as swiping credit cards and taking bank consumption loans, and charge a certain percentage of handling fees, which seriously disrupts the normal financial order.
Fourth, it violates the national economic policy orientation. In recent years, the state has accelerated economic transformation, revitalized the real economy, actively guided funds to get rid of the virtual reality, and adhered to the long-term real estate regulation and control policy of "housing and not speculating".
However, illegal lending intermediaries have obtained bank credit funds and invested in the stock market and property market through various false means, which seriously deviates from the state's major policies, greatly weakens the effectiveness of the state's macro-control and brings great damage to the state's social interests.
Is the loan company that cooperates with the bank formal?
It depends on the actual situation. Generally speaking, loan companies that do not recommend cooperation with banks are generally formal. Because banks need to audit cooperative institutions, if there are problems in institutions, banks will also bear risks, so they will strictly control them. If you want to get a loan, the cooperation between the loan company and the bank is to help you go through some imperfect procedures and finally get a bank loan.
Data comparison Different application conditions banks have different conditions for applying for real estate mortgage loans, such as credit status, personal income, work unit and repayment ability. Loan companies apply for real estate mortgage loans, mainly depending on whether the real estate value is high and whether it can be realized. Credit status is good or bad. Borrowers with liabilities can generally borrow from banks or loan companies, as long as they can provide qualified real estate mortgage. Compared with credit loans, the risk of 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. The loan interest rate of the same bank will be different in different regions. At present, the bank's real estate mortgage interest rate is floating on the basis of the benchmark interest rate. In 20 17, the Bank's benchmark annual interest rate is 4.35% for less than one year (including one year), 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it Compared with the approval speed, there are many procedures in the real estate mortgage bank, and the approval time will be longer. Get the loan in about 20 working days at the earliest. The loan company has simple procedures and quick approval. Generally, you can get the loan within 10 working days. Generally speaking, the amount of mortgage bank loan is related to the appraised value of the house, which can reach about 70% at the highest. 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 costs and handle large bank loans conveniently and quickly, we usually go to professional institutions.