1, depending on the purpose of the loan.
This paper mainly talks about unsecured loans in Kunming, so when looking for a loan company, it is best to find a company that mainly does unsecured loans. Such companies are not only more professional, but also faster than other loan companies.
2. Look at the loan threshold
The loan threshold of unsecured loan companies will indeed be lower than that of banks, but it will not be too low. After all, there is no need to provide collateral, so there are still some requirements for credit.
3. Look at the pre-loan fees
Regular Kunming unsecured loan companies do not charge fees before lending. Companies that charge for various reasons without applying are generally liars, and there are many news that they took the money and ran away.
4. Look at the business scope
Informal unsecured loan companies will claim that they can do national business, while formal ones generally only do local business.
5. Look at the loan interest rate
The loan interest rate of a regular unsecured loan company will not be too high or too low, and will generally rise above the benchmark interest rate, but it will not exceed 4 times the benchmark interest rate.
Step 6 look at the company certificate
When looking for a regular unsecured loan company, you can ask the other party to give the original business license, or check the company registration information online. Don't look at the names of some loan companies, in fact, there are deep routines behind them.
7. See the contract signing method.
Under the regulations of China Banking Regulatory Commission, regular Kunming unsecured loan companies all adopt face-to-face signing system. Most people who need to sign the contract by fax are liars, so be sure to pay attention.
Editor's note: The selection method of Kunming unsecured loan company is introduced here. Would you choose? When people are in urgent need of money, they must keep a clear head and don't rush to the hospital, otherwise they will lose money and waste their lives.