Where can I find a loan company to consult?

Any city has loan companies to consult, because every city has banks, and banks have loan business, such as China Bank, China Construction Bank, China Industrial and Commercial Bank, Postal Savings Bank and so on. These banks can lend money, so it is recommended not to go to personal loan companies for loans, because the interest rate is likely to be too high, the personal data of customers will be leaked, and it will be very difficult to pay back the money later.

I. Bank loan process

1. Borrower submits loan application: When filling in the loan application form, provide basic information such as loan purpose, loan amount, personal property (operating status: company), service period, selected loan type, collateral, repayment ability, etc. It should be clear.

2. Loan information submission: Submit relevant information mainly according to the loan type and bank requirements, including the borrower's certification information, income certification information, credit status information, collateral information and guarantee information. Loan use information, etc.

3. The bank conducts loan investigation: After receiving the application, the bank begins to conduct a basic investigation on the borrower's loan situation. In principle, it depends on the borrower's willingness and ability to repay, and on this basis, the loan risk is evaluated. And whether the financing industry involved meets the national requirements.

Second, the drawbacks of private loans

1. At present, many personal loans have realized the enjoyment of information. If the loan is not repaid, the whole industry will be banned. When you need to borrow it again, there is nowhere to borrow it.

2. Generally speaking, personal loan platforms will make bottomless dunning for debtors. For some informal enterprises, people may be sent to collect debts. This will have a great impact on the normal life of the debtor and his family, and even cause personal injury.

As can be seen from the above, loan companies or regular banks are more reliable, the interest rate is not too high, and the protection measures for debtor information are relatively perfect. It is recommended not to borrow from a personal loan company, and return it in time to prevent overdue.