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Micro-credit loans are business loans with individuals or families as the core, and the main service targets are self-employed, small workshops and small business owners. The loan amount is generally less than 654.38 million yuan, 1 10,000 yuan or more. Micro-credit loan is an extension of micro-credit in technology and practical application. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. Because this kind of loan is risky, it is generally necessary to conduct a detailed investigation on the borrower's economic benefits, management level and development prospects in order to reduce the risk.
Since 2004, in order to make up for the blank of financial products supporting low-income groups and micro-enterprises, the state has successively issued a series of supporting policies to develop micro-credit. Among them, some professional microfinance companies appeared, such as Zhongan Xinye, and then several major banks also started microfinance business. However, due to low consumer awareness, the market was chaotic in the early stage of industry development. Therefore, if micro-enterprises or individuals need to apply for loans, it is best to consult a professional and powerful company.
1. Although it is called a small amount, it is also a loan. All loans, whether bank loans or private loans, need your repayment ability. In other words, those who claim that they can lend you money unconditionally must be liars or pretenders.
2. In addition, many people ask whether they can get a loan if they have an ID card. The ID card can be replenished at any time. With an ID card, a regular loan company will not lend you money.
3. How to identify illegal institutions when choosing lending institutions?
(1) Looking at the interest rate, it is illegal to be more than 4 times higher than the benchmark interest rate for the same period; We should pay attention to all the above problems. Don't take any chances. No one will lend you money without repayment ability.
(2) See if there is any charge before the loan. If all kinds of handling fees are charged in the name of interest, nine times out of ten there is a problem of delaying lending;
(3) Remittance pays interest, fees are charged for various reasons before lending, interest rate is too high, no contract is signed, and other suspicious signs.