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How deep is the water in microfinance? Will microfinance be credited?
Guide: At the end of the year, due to the huge demand, bank credit tightened.MicrofinanceIt can be said that it is everywhere, but when applying for loans, we should also pay attention to a question. How deep is the water in microfinance loans, and will there be credit information on small loans?
“At the end of the year, due to the rapid turnover of funds, the demand for small loans has increased, and the demand for small amounts of borrowers is mainly from 100,000 yuan to 300,000 yuan.” Recently, the work of a bank credit department of our city Mr. Zhang introduced. In life, many people will encounter the problem of shortage of funds. Usually, they will chooseBank loan. However, at the end of the year, some people will choose to apply for loans from small loan companies in order to avoid the cumbersome procedures and procedures of bank loans. However, the question is, how deep is the water in microfinance? Will the microloan be on the credit history?
Is the credit report on the microloan?
Mr. Zhang introduced that there is a large demand for loans at the end of the year. There are two main reasons. One is that most borrowers have higher demand for funds at the end of the year. Banks are slower to process and issue loans at the end of the year, and they are mortgaged.Consumer loanThe amount of quotas and other restrictions, so the borrower will choose a convenient way, fast lending, so that the demand for microfinance continues to increase. Another reason is that the diversification of various types of lending APP and the small amount of lending methods have led many people to use these new ways to meet the short-term financing needs.
However, whether these microfinance loans will be recorded on the credit card has become a concern of many people. In this regard, Mr. Zhang said that if the loan loaned by the bank is overdue, it will usually leave a “credit stain” in the credit record.The loan record of the microfinance company will not be recorded on the credit card, depending on whether the small loan company has docked the interface of the central bank for credit reporting..
According to the data, there are less than 100 microfinance companies that have docked the central bank's credit information interface. In other words, when most microfinance companies apply for small loans, the borrower’s loan records will not be credited.Personal credit reportin. However, some microfinance companies will have a shared “blacklist” of credits. If you always have a loan that is overdue, you will not be able to borrow money from this small loan company, and you may be rejected in other companies. outer.
The microfinance company "how deep is the water"
The reporter learned that regular microfinance companies have been approved by the financial sector and registered in the industrial and commercial sector. Consumers can call the relevant departments to verify the situation. In addition, many regular microfinance companies now only operate within the scope of their registration. However, in order to obtain business, some “swindler companies” often exaggerate their business capabilities and claim to conduct business throughout the country. When a formal microfinance company approves a loan, it will communicate with the borrower in person, and the borrower will provide detailed production and operation and family income, and even go to the borrower's residence and business location for field visits. But the cheat company's review process will be much simpler.
Mr. Zhang reminded the public that the number of small loans is increasing and the form is becoming more diversified. But many people can't think of it, which may hide risks.
Some small loan companies that send business cards and post small advertisements all claim to be "low interest rates". In fact, this is often a scam. Under normal circumstances, the interest on microfinance loans will be higher than bank loans, and "low interest rates" are impossible. Companies that call "low interest rates" may charge in other forms.
And some microfinance companies say that "someone can borrow money" is even more ridiculous. Because no matter what the loan, you need to submit relevant materials to prove the qualification of the borrower. It is impossible to borrow money if the qualifications are not up to the requirements. Basically, it can be judged that this is a trick for a liar or a loan shark.
Today, the form of lending is becoming more and more abundant, but there are risks associated with its growth. With the emergence of various types of lending APPs, online scorpions such as “no need to meet, faxed contracts, strong strength, and national lending” appeared on the Internet. In such a situation, you must be vigilant, otherwise you are likely to be deceived.
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