Is there any routine for the loan of Lianzhong Financial Leasing (Shanghai) Co., Ltd.?

Small loan companies have routines, and financial companies have high risk factors and many violations. The strict control of the banking country is still better. Now loans are nothing more than banks, finance companies and online loans. Only banks are more reliable, and others have various violations. Financial companies also look at credit reporting, but the requirements are not high. However, the loan cost is high and there are irregularities. Their contract is exquisitely made without any flaws.

1, online microfinance should first pay attention to the company's qualifications. First of all, the business license name of a regular small loan company must contain the words "small loan", which can be verified by logging in to the credit information publicity system of enterprises in this province. Secondly, regular microfinance companies "only lend and don't save". Finally, you can check the registered capital of the enterprise. If the amount is too small, less than1million, be careful. It's rather suspicious to only fill in the telephone number column without writing a fixed number.

2. Whether to charge in advance. Formal loan companies don't have to pay any fees when they borrow money, but only when they lend money. Don't believe those small companies that ask you to repay in advance with various excuses such as "down payment", handling fee and deposit when applying for a loan.

3. Whether the audit is too loose. With the development of internet finance, credit testing is becoming more and more relaxed, but those who are too loose, the procedures are too simple, and the loan interest rate is too low to be attractive should be more careful. Generally speaking, no matter how well the advertisement is done, you can only borrow money with your ID card. In fact, in the actual lending process, you will also examine your personal income and credit situation. If you don't need to see anything, you can basically conclude that it is not very reliable.

The contents that need to be paid attention to in online lending are:

1. Choose a formal lending institution;

2. Reasonable selection of loan amount and term;

3. Repay on time.

Article 674 of the Civil Code stipulates that the borrower shall pay interest within the agreed time limit.

Legal basis: Article 674 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall pay interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.