- To apply for a small loan, you should know these five practical tips! In the course of life, it is inevitable that there will be a temporary shortage of funds. In this case, applying for micro-credit is nothing more than the best solution. Due to various reasons, loans are always denied, which may have ruined some friends. Rong 360 (fangdai123) tells you to apply for a small loan, you should...
- What are the differences between private lending and microfinance companies? Do you know What are the differences between private lending and microfinance companies? Do you know it? Although both are a channel for loan financing. All can help the lenders when they need money. Mel 360 will take you to see. Loan time and handling process are different. ...
- Check out the top five tricks in your credit card. Do you all know this? Near the end of the year, major banks have promoted credit cards, valuable gifts, free annual fees, no guarantees, no proof of property, and even no proof of stable income. In this case, the credit card penetration rate will increase significantly. So, is there any bank behind the big promotion?
- Is it difficult for a farmer to apply for a small loan? What are the micro loan considerations? The rural loan policy generally depends on local regulations. Farmers' friends apply for loans mostly to provide collateral or security. Because of the nature of agriculture and other reasons, bank loans to the peasants have always been considered relatively strict, so it is difficult for farmers to apply for small loans. What...
- Four major differences between microfinance companies and P2P credits! See if you know it Microcredit companies are financial institutions that comply with national laws and administrative regulations, implement national financial guidelines and policies, implement financial standards and accounting systems for financial enterprises, and accept supervision and management by governments at all levels and relevant departments according to law. Microfinance companies cannot absorb public ...
How do you know if you need to pay attention to five major loans?
In recent years, with the rapid development of the economy, the microfinance industry has rapidly emerged and various small loan institutions have been established. Many of these companies have not held legitimate licenses to carry out related businesses. This economic phenomenon is closely related to the progressive consumer awareness and increasing consumer demand that social consumers are now forming.
So how can I apply for a micro-loan? Through loan channels such as offline microfinance companies and online online loan platforms, we can all borrow and lend according to our own different borrowing requirements. With the intensification of market competition and frequent industry chaos, consumers should keep their eyes open when selecting microfinance institutions so as to avoid unnecessary problems.
Today, Xiao Bian gave everyone some attention on the handling of micro-loans, and also made everyone better understand micro-loans.
First, charge before paying money
In the Internet era, online unsecured loan advertisements can be seen everywhere, but when applying for small loans, it is unreliable to request payment of some of the fees before the loan. This must be done carefully to avoid being deceived.
Second, no audit, direct loans
Under normal circumstances, micro-credit loans can be submitted by submitting information such as identity cards, bank deposits, personal address certificates, personal work certificates, and personal credit report. The materials are simple and the procedures are convenient. For those who are in urgent need of capital turnover, they can alleviate the urgent need.
Some lawbreakers use false advertising to attract borrowers who are in urgent need of money. They don't need any information and don't check it out. They also need to be rigorous about such institutions.
III. Business licenses and legal licenses of small-credit institutions
Some consumers, when applying for small loans, often find it difficult to ignore the issue of checking the qualifications of small-sum lending institutions because of urgent needs. Some private companies or institutions use high-interest loans in the name of small loan companies. In fact, they are illegal organizations that do not have business licenses and small loan licenses are not regulated by relevant departments.
How do you determine if a small loan institution has legal qualifications? You can check the official website of the local Administration for Industry and Commerce, or go directly to the office address of the small loan company.
Fourth, the cost is high
The national law stipulates that the interest rate agreed between the borrower and the borrower is more than 36% of the annual interest rate, which is the product of loan sharks. Therefore, consumers should make correct choices when handling small loans so as not to fall into the marketing traps of illegal organizations.
V. There is no requirement for credit information
Compared with banks, the requirements for credit information of small loan companies are relatively low, but they are not completely unnecessary.
Generally speaking, as long as the customer does not exceed 6 times overdue within 2 years and there is no overdue for 3 consecutive months, the credit is qualified. In other words, it is certainly a problem for small loan companies that can also lend to unqualified people.
to sum up:
1. Do not blindly borrow money. As the saying goes: You can't eat hot tofu;
2. Before the loan, it is necessary to understand the background of the loan platform, interest rates, fees and other information;
3. Never pay any money before lending money;
4. In the era of credit, applying for loans under conditions that can be sustained, it will not be tainted with life.
PS: Applying for a small loan and repaying it on time can help establish a good credit!
【Exclusive Manuscripts and Disclaimer】 All works marked as “Future 360 Original” must be reproduced, excerpted or otherwise used by any entity, organization or individual without authorization in writing. Has been authorized in writing, indicating the source melts 360. Violations of the above statement inflicted violations of the legal rights and interests of 360 will be legally pursued. The materials and conclusions in the work are for reference only and do not constitute operational recommendations. For written authorization, please email: email@example.com
- Comment list (User comments are only for users to express personal views, does not mean that this site agrees with their views or confirms their description)
- How much do you know about microfinance companies?
- Sub-divided into the "five major banks" mortgage loan policy of Beijing
- When everything is linked to personal credit you don't know?
- Unsecured loans Those things you need to know
- How to successfully apply for a bank loan
- Apply for Bank Loan Raiders
- Which mortgage products do you apply for in Beijing?
- Why hasn't the bad record of credit history been eliminated in 5 years?
- How to do if the mortgage is overdue? Is the consequence of mortgage overdue serious?
- Overdue this way to eliminate, in order to minimize the loss!
- Overdue yet? Secret of overdue online loan
- Credit card, debt overdue, "Lao Lai" should not have a living space?
- CCTV exposes cash-debt traps, and the “bottomless hole” for small loans
- Borrowing must be careful, but don't forget the small loan!
- In the name of "micro-credit," violently accumulating money, Wuhan police smashed the black gangs.
- What differentiates mobile microfinance from traditional bank lending?
- How do you know if you need to pay attention to five major loans?
- What are the micro loan considerations?
- Five Things to Remember for Office Workers
- Application for Personal Consumption Loans
- Application for Student Loan Notes
- What are the precautions when applying for Chongqing Provident Fund loans?
- How to apply for a personal microloan?
- Matters needing attention when applying for a mortgage loan
- What are the conditions for applying for microcredit for civil servants?
- Application for Auto Consumption Loans
- Qishang Bank Personal Microcredit Application Information