Are loan companies reliable? Are loan companies scammers?

Loan companies refer to non-depository financial institutions in the banking industry approved by the China Banking Regulatory Commission in accordance with relevant laws and regulations and established by domestic commercial banks or rural cooperative banks in rural areas to provide loan services for farmers, agriculture and rural economic development at the county level. A loan company is a limited liability company fully funded by a domestic commercial bank or a rural cooperative bank.

If you go to handle it personally, or find some unprofessional people to operate it for you, it may bring you a lot of unnecessary risks. If you go to the first bank, and you don't know what the bank wants from you, then the result can be imagined, it must be a tragedy, you will go to the second bank, and you don't know the requirements of the other bank, and you are still rejected after you go. But if you go to the third bank, you obviously meet the requirements of other banks, but you will also reject you, because you have been there before, and you have been rejected twice, people will think that you are high-risk, then you have spent the credit now, and you can't get anywhere.

In this case, let's say you go directly to the first bank and can still lend, but the interest does not meet the requirements you want, you want three years, he can only give it one year, you want to interest first and then the principal, he can only give it to youEqual principal and interestetc. All of the above will cause you some loss of time and money.

A professional lender can perfectly help you avoid these situations. The emergence of lending institutions will help you match more channels and tailor products that suit you. Generally, in addition to banks, institutions that hold formal lending licenses, such as local commercial banks and small loan companies, can screen for you in advance, and lend very much.

After all, there are still a lot of various routine loans in the first two years, and there will be such a situation, for example, you go directly to the first bank and can still lend, but the interest does not meet the requirements you want, the term you want three years, he can only one year, you want to interest first and then principal, he can only give you equal principal and interest, etc. Analyze the pros and cons of various loan types and repayment methods, as well as plan your later repayment plan and financing route, regularly remind you to repay the loan that is about to expire, and communicate with you in advance about to solve the problem. When your qualifications and interest do not match, you are reminded to settle some uncost-effective loans as soon as possible.

The loan company is reliable, because the loan company only recommends users for the lending institution, and the loan company gets a commission after the user makes the payment, which has no substantive relationship with the user, and there is no interest relationship; However, there is a type of loan platform in the online loan market that requires a certain membership fee, so you must pay attention when applying.

Is the loan center a bank lending?

Not necessarily! Formal licensed institutions or platforms can lend money, so the loan center is not necessarily a bank loan, so if you apply for a loan on the loan platform, you will indicate in the loan contract which institution will issue the money.

Extended Materials. The loan business involves both the financier and the lender.

Among them, in terms of funds, banks, insurance, trusts, and financial companies.

Microfinance companies, consumer finance companies, etc. may become fund providers. But in terms of scale, bank funds account for the largest proportion (because of many trust schemes.

The funds behind it also come from banks), which are the most important lending entities.

Lenders can be divided into licensed institutions and non-licensed institutions, and the former can be divided into two categories, banks (which can act as both financiers and lenders of other banks, such as Xinwang Bank and WeBank.

etc.), and some fintech.

Companies (they usually operate through their own licenses such as small loans, online small loans, financing guarantees, etc.).

Non-licensed lending institutions include fintech companies, P2P platforms, data companies, etc., which do not have licenses for small loans, online small loans, financial leasing, financing guarantees, etc. Under the new regulatory requirements, these institutions are not allowed to directly participate in the issuance of loans (i.e., co-loans), mainly for the purpose of providing customer acquisition and risk control.

and other services. What is the purpose of a loan?

Because loan counseling is like a doctor

1. How to help you get the maximum interest rate discount!

2. Tell you what kind of interest costs you can get money directly!

3. What should I do if the completeness of information, credit problems, rejection, bank statements, etc. sound like a big problem?

Summary. Hello dear, happy to answer your <>

Answer: The so-called "loan company" is an intermediary, a loan intermediary, and sometimes, a real estate agent also does some such business: to help the customer buy a loan, the loan is received, the transaction is completed, and he can get the commission.

Ping An Puhui is engaged in similar businesses; The money is actually from the bank, but the loan application must be completed under their guidance. 2. The existence of loan intermediaries is actually inseparable from the current situation of customers: financial knowledge is too scarce, and they do not have the ability to deal with banks, and when they want money, they can only pretend to others.

I once met a loan agent face-to-face and jokingly told me that the client would go to him and not me. Why?

There is too much monitoring in your bank, which makes customers too insecure. - I knew he was joking. There is a customer to apply for a loan, the Bank of Communications's Huimin Loan, this kind of loan can be applied for on the mobile banking, but the customer will not get it.

Their salesman took the customer's mobile phone, manipulated it for not even five minutes, and the loan was received, charging a service fee of several thousand yuan; 3. Customers, loan intermediaries, and banks exist like the Three Kingdoms. 4. Some loan intermediaries have obviously crossed the line: helping customers provide fake bank statements and fake divorce certificates, which is a bit too much, so it's better not to participate.

Are loan companies reliable?

Hello dear, happy to answer your <>

Answer: The so-called "loan company" is an intermediary, a loan intermediary, and sometimes, a real estate agent also does some such business: to help the customer buy a loan, the loan is received, the transaction is completed, and he can get the commission.

Ping An Puhui is engaged in similar businesses; The money is actually from the bank, but the loan application must be completed under their guidance. 2. The existence of loan intermediaries is actually inseparable from the current situation of customers: financial knowledge is too scarce, and they do not have the ability to deal with banks, and when they want money, they can only pretend to others.

I once met a loan agent face-to-face and jokingly told me that the client would go to him and not me. Why?

There is too much monitoring in your bank, which makes customers too insecure. - I knew he was joking. There is a customer to apply for a loan, the Bank of Communications's Huimin Loan, this kind of loan can be applied for on the mobile banking, but the customer will not get it.

Their salesman took the customer's mobile phone, manipulated it for not even five minutes, and the loan was received, charging a service fee of several thousand yuan; 3. Customers, loan intermediaries, and banks exist like the Three Kingdoms. 4. Some loan intermediaries have obviously crossed the line: helping customers provide fake bank statements and fake divorce certificates, which is a bit too much, so it's better not to participate.

Not necessarily! Loan assistance companies are actually intermediary companies. A service fee is charged by processing customer loans.

Lenders not only work with banks, but also with many other channels. The bank's internal products will also be limited to cooperative institutions, so finding a professional institution can solve more problems better than individuals, what materials need to be prepared, what matters need to be paid attention to, and so on. Also, loan assistance companies will recommend products with the lowest interest rates because they charge processing fees.

But there are a lot of such companies and a lot of informal companies. For example, charging and planning for customers arbitrarily. The loan company must have a physical office address, and the office should be official.

A loan assistance company that doesn't have an office address may be a fake loan assistance company. The loan assistance company can run away at any time, and you can't find it.

This also reflects the reliability of the company. We all know that loan assistance companies charge a fee. It depends on whether the charging process and rate of the loan company are standardized, and whether there are loopholes in the contract.

Regular loan companies will only charge after the loan is successful, and no fees will be charged if the loan is not successful.

Further Information: Repayment Methods:

1) Equal repayment of principal and interest.

That is, the sum of the principal and interest of the loan will be repaid in equal monthly installments. Housing provident fund loans from most banks.

and commercial personal home loans. In this way, the monthly repayment is the same;

2) Equal principal repayment: The borrower spreads the loan amount evenly over each period (month) throughout the repayment period, and pays off the loan interest from the previous trading day to the current repayment date. In this way, the monthly repayment decreases month by month;

3) Monthly repayment of principal and interest and repayment of principal at maturity: that is, the borrower shall repay the principal of the loan in a lump sum on the maturity date of the loan (applicable to loans with a term of less than one year (including one year)), and the loan shall be repaid with interest on a daily basis and on a monthly basis;

4) Prepaid partial loan: i.e., the borrower can apply to the bank for a partial prepayment of the loan amount. Generally, it is an integer multiple of 10,000 or 10,000, after repayment, the loan bank.

A new repayment plan will be issued, in which the repayment amount and repayment period will change, but the repayment method will remain the same, and the new repayment period shall prevail. No more than the original loan term.

5) Full loan prepayment.

That is, the borrower can repay the entire loan amount early by applying to the bank. After repayment, the lending bank will terminate the borrower's loan and go through the corresponding cancellation procedures.

Loans are reliable through loan companies.

1. Loan intermediary companies are more familiar with the loan process of banks, and bank loans generally have to go through multiple links such as investigation, review, approval, and lending.

These links are authorized at different levels, and some even have to go to the head office to complete. The intermediary company has a certain degree of professionalism in these links, and it is more convenient to do.

2. The loan involves the loan enterprise's asset evaluation, mortgage guarantee, collateral evaluation, loan application, and in the case of a project loan, it also involves the loan project evaluation application.

Strong professionalism and many categories, intermediary companies either do these work themselves, or contact relevant professional companies to do these work, which is highly professional.

3. The loan involves the bargaining in the interest rate pricing of the loan variety.

The intermediary company has experience in bargaining with banks, and travels between banks, taking advantage of the competition between banks to lower loan interest rates.

In short, the use of intermediary companies to make loans is conducive to reducing loan costs, improving loan efficiency, and increasing the rate of loan approval, so as to realize the optimization of the financial structure of enterprises.

Benefits of a bank loan:

1. There are many preferential policies.

2. Bank loans are fast.

3. Low interest rate cost.

4. Less cost.

5. Stable funds. <>

A loan company is an institution that provides intermediary services, and its main form is to provide loan services to small and medium-sized enterprises or individuals. First of all, the lending company is not a team that holds the capital. Unlike banks, loan companies do not have large deposits, but simply charge a certain service fee and interest by borrowing money from investors and then transferring those funds to those who need loans.

As a result, it is difficult to ensure the normal operation of funds when the loan company encounters some problems such as disconnection of the capital chain or difficulty in transferring.

Second, the risk control ability of loan companies is not as good as that of banks. The bank has an advanced risk control system and a professional team, which can fully understand the borrower's personal information, assets and repayment ability, so as to make a more scientific and reasonable risk assessment. However, loan companies can often only rely on simple risk assessment tools, and even obtain more information through offline interviews and other methods, which has certain hidden dangers to ensure the safety and legitimacy of loans.

To sum up, direct loans have certain risks and need to be chosen carefully. It is recommended that when choosing, you can obtain more information through various channels, understand the business scope and qualifications of the loan company, and choose a company with good reputation and legal qualifications for cooperation, so as to reduce the risk.

If you are interested in a loan, we recommend you to go to Moorron, in the past, in traditional financial institutions, the review often took a long time, in many cases the applicant will be required to provide a large amount of information and proof, and the review period will be extended. However, Mooron Loan has a reputation for fast processing and can disburse the loan in about a few business days. This is mainly due to the digital review process of Mooron Loans.

Lenders only need to submit an application from the network without having to go to the bank to cross. So, with Moore Dragon Loans, people can get the loan funds they need quickly.