At present, many individuals or enterprises, with insufficient qualifications, will choose a guarantee company to help and pay a certain fee to provide guarantee services for borrowers. There are many such guarantee companies in the market now, which are mixed with many informal platforms, so today I will introduce how to find a formal guarantee company through certain methods, hoping to help everyone.
1, professional
In a formal guarantee company, the business and staff must have qualified literacy. If the staff who receive you are unprofessional and unfamiliar with business processes, you should be cautious. The moral hazard of insiders is the most common problem for guarantee companies. For unprofessional guarantee companies, it is best not to continue to handle business.
2. Strong funds
You can check the registered capital, business scale and office staff of the guarantee company through some certificates. Under the same conditions, it is best to choose a stronger guarantee company, which can provide you with better protection, and the company with good strength will have a higher pass rate in terms of loans.
3. Business process
Looking for a loan from a guarantee company can save you a lot of troubles, because many process guarantee companies will take you to operate, so the business process of the guarantee company should be strict and standardized.
4. Risk control system
Any credit company, engaged in financial business, is bound to have risks, and the strength of the guarantee company determines whether it has sufficient solvency.
5. Business ability
When choosing a guarantee company, be sure to check the main business scope. Some have no guarantee qualification at all. Don't just look at the business license, you can also check the credit record certificate.
How to find Pratt & Whitney Loan Company
Find Pratt & Whitney Loan Company through official WeChat account. Contact Ping An Pratt & Whitney manual customer service through the official WeChat account. You can search for the official WeChat account of "Ping An Pratt & Whitney Customer Service Center". After entering the official WeChat account, there will be robot online customer service, and you can find the HP loan company.
How do individuals get loans from guarantee companies?
Personal borrowing from guarantee companies means that banks do not lend directly to individuals in order to reduce risks, but require borrowers to have a third party as their credit guarantee, most of which are guarantee companies or individuals with good credit status.
Personal loan process of guarantee company:
1. The lender consults and selects the guarantee company, and then submits the personal consumption loan application, personal identity certificate, work certificate and personal information to the guarantee company, and the guarantee company accepts the project.
2, the guarantee company to conduct a comprehensive and all-round investigation of the applicant, after the investigation for approval.
3. Sign the main contract, guarantee contract, counter-guarantee contract and other legal documents after approval and collect the guarantee fee.
4. The guarantee company will submit the relevant information of the lender to the bank, and the bank will issue the loan after review.
Legal basis:
Article 11 of the Interim Measures for Personal Loans
Personal loan application shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.