Do I need to pay a margin to borrow money? Do I have to pay a security deposit for a loan?

Hello, regular loan companies will not charge pre-loan fees, such as deposits, verification money, insurance money, etc., and will not communicate with you through QQ, WeChat and other private social accounts, so if you encounter financial fraud by impersonating a regular loan company, please be vigilant, do not be deceived, if you are deceived, the first time to report to the police, to minimize the loss of your funds.

In addition, if you have an urgent need for money, it is recommended that you must choose a reliable big brand, which is a credit service brand of Du Xiaoman Finance (formerly Finance), which is safe and trustworthy, and has the characteristics of simple application, fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security. The online application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for loan disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment.

Share with you the application requirements for money to spend: The application conditions for money to spend are mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card. Note:

The application is only supported by debit card, and the application card is also your borrowing card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

I hope this is helpful to you, click below on the mobile phone to measure the amount immediately.

No, those who ask for a deposit are scammers.

There is no deposit required for the loan. If the loan requires a deposit, it must be **, don't be fooled.

Ways to identify loan scams:

1. Using the name of the company to publish information, sign contracts, and use personal banks (so-called legal persons, managers, and financial leaders) as collection and charges must be fraud.

2. Those who ask to deposit money on their own cards for reasons such as verifying their financial strength (repayment ability) must be fraud.

3. If you have really leaked your personal information to **. If you say you don't want to handle it, if the other party threatens you, saying that you signed a contract and don't pay the money, you will be charged liquidated damages, they will sue you, and so on, you don't need to believe it. These contracts are equivalent to a piece of waste paper, which is not in effect and is **ps cheating.

Margin guarantees for bank mortgage loans are prevalent in the banking world. Therefore, under normal circumstances, the mortgage loan deposit must be paid. The usual practice is that the bank and the real estate development enterprise (hereinafter referred to as the developer) sign the "Personal Housing Loan Project Cooperation Agreement" and the "Personal Housing Purchase Guarantee Loan Contract", and stipulate in the contract that the bank will issue housing mortgage loans to the buyers of the developer's real estate development, and the developer will open a special deposit account in the bank and deposit a certain proportion of the balance of the loan to provide guarantee for the bank's mortgage loan.

When the borrower obtains the real estate certificate and completes the mortgage registration procedures with the bank as the mortgagee, the bank will return the corresponding security deposit in the deposit account to the developer. During this period, if the borrower fails to repay the principal and interest on time as agreed in the contract, the developer shall repay the loan on behalf of the borrower, and the bank has the right to directly deduct the relevant amount from the margin account.

1. Do I need a mortgage for a home loan?

Whether a mortgage is required for a house loan should be determined according to the actual situation, and if the house is purchased through a mortgage, it is necessary to provide a guarantee mortgage service. Personal housing loan (hereinafter referred to as loan) refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for self-use. If the borrower fails to repay the principal and interest of the loan when due, the lender has the right to dispose of the collateral or pledge in accordance with the law, or the guarantor shall be jointly and severally liable for the repayment of the principal and interest.

If the borrower uses the purchased house for self-use as collateral for the loan, the full value of the house must be used as collateral for the loan. If real estate is used as collateral, the mortgagor and the mortgagee shall sign a written mortgage contract, and go through the mortgage registration formalities with the department prescribed by the local people's ** at or above the county level before the loan, and go through the mortgage registration formalities with the department prescribed by the local people** at or above the county level before the loan. The relevant contents of the mortgage contract shall be determined in accordance with the regulations.

2. How long does it take for a bank mortgage loan to be disbursed?

Generally, the approval of bank loans is about 15 days, and the time may be extended to 1 month if there is a policy change. Or the bank is short of funds, and at this time, the loan may need to queue up, and the time will be further extended. If you do not get approval for more than 3 months, it may be that your materials or qualifications do not meet the loan conditions, and the bank will also notify you if you cannot apply for it.

In general, the process of re-lending after the bank loan is approved is relatively long, and it takes at least half a month. Slow is slow, but when we apply for a loan, we mainly consider the interest rate and the unreliability of the lending institution. Therefore, when taking out a loan, it is necessary to consider comprehensively, and it is not necessarily good to disburse money quickly.

You don't need to pay a deposit to buy a house with a loan, because you use the house as collateral.

In mortgage loans, people are most concerned about the conditions and procedures, and the first thing to provide is the information that needs to be provided for mortgage loans

1. The ID card of the applicant and the spouse, the original and 3 copies of the household registration (if the applicant and the spouse do not belong to the same household registration, a certificate of marital relationship shall be attached).

2. The original purchase agreement.

3. 1 original and 1 copy of the advance payment receipt of 30% or more of the room price.

4. Proof of the applicant's family income and relevant assets, including salary slips, individual income tax bills, income certificates issued by the unit, bank deposit certificates, etc.

5. One copy of the developer's collection account number.

For example, when a borrower goes to a bank for a loan, he only needs to provide some supporting materials and go through the relevant procedures, and the bank will not charge any handling fees to the borrower, and there will be no other additional fees for the loan in the bank. In some online lending institutions, it is indeed necessary to pay a deposit, and some institutions also require borrowers to pay "service fees", "handling fees, etc.", but most of these institutions defraud money in the name of borrowing and do not belong to formal lending institutions.

1. When applying for a loan, the borrower should fully consider the personal financial situation and take out a loan appropriately;

2. The materials submitted when applying for a loan must be true, if false materials are provided, the bank may be included in the "blacklist";

3. The borrower needs to have a stable income** and the ability to repay the loan on time;

4. When preparing to apply for a loan, prepare complete materials in advance;

5. When signing the contract, you should look at the specific terms of the contract;

6. After the loan is successful, it is necessary to repay the loan in time.

No. Based on the situation you explained, I can judge that what you have encountered is a fraud, and it is ** impersonating a loan company to commit fraud.

Regular lenders do not need to pay any fees before receiving the loan.

Even if you fill in the wrong bank, the transfer will be returned the same way, there will be no loss of funds, and there is no need to verify the funds to unfreeze. There is also no need for a security deposit. So that's the routine of **.

In the case of the wrong card number, it is also ** modified to the wrong one, just to find a reason for fraud.

Manifestations of routine loans: soliciting business in the name of "small loan companies", guarantee companies, etc., signing loan contracts with you, creating the illusion of private lending, and deceiving you into signing "inflated loan contracts", "yin and yang contracts" and real estate mortgage contracts under various names such as "liquidated damages" and "security deposits", which are obviously unfavorable to you.

If the customer goes to apply for a loan, but the loan funds are frozen due to the wrong bank card number, there is naturally no need to repay. After all, the funds are frozen, and the customer has not used them. In this regard, the customer can quickly contact the customer service of the platform, provide the correct bank card, withdraw and use the funds after the platform unfreezes the funds, and then repay the loan on time and installments according to the repayment plan agreed in the contract.

Precautions for online loans.

1. Loan conditions. Many online loans are credit loans, but the conditions are still different. In addition to the age limit on the application, which generally does not lend money to students, there are other requirements, such as some will check the credit and pay more attention to the applicant's personal credit; Some will also refer to some credit scores, such as sesame credit and the like, which should be understood clearly before taking out a loan.

2. Loan fees. First of all, look at the interest, although the current online loans are repaid on a monthly basis, but in fact, the interest is calculated on a daily basis, generally the daily interest rate is about 5/10,000, and the interest will be low if the qualification is good, if it exceeds this interest, do not apply; Secondly, see if there are any other fees, if you say that you will collect a deposit before the transfer, don't think about it.

There is no such thing as a margin!

However, there are those who pay the contract notary fee, and there are those who purchase credit insurance.

But it's a very small part of the money!

There has never been a security deposit.

What does less money guarantee? If you have more money, you will be suspected of fraud!

A loan is a form of credit activity in which a bank or other financial institution lends monetary funds at a certain interest rate and on the condition that it must be returned. Loans in a broad sense refer to the general term for loans, discounts, overdrafts and other lending funds. Banks can put out the concentrated money and monetary funds through loans, which can meet the needs of the society for supplementary funds for expanding reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.