Generally speaking, this kind of credit approval is actually linked to the bank's words, which should be more reliable, depending on what your lending institution is. Generally, intermediary companies apply for loans in the name of banks, but the name of loans is banks.

There are indeed intermediaries who lend through bank channels. It is up to you to judge. If the normal loan is the four major banks, you need to go to the bank to sign the loan. Other small banks can submit the initial information in the intermediary company, but the contracted loan must also be in the bank! As long as you have the minimum judgment ability, you should have no problem!

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.

Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks.

Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.

Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.

Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are well known. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items. The actual loan cost is much higher than the interest rate advertised.

Credit loan of guarantee company is a credit loan provided by guarantee company to customers through bank lending. Generally, it can reach up to 300,000 yuan, and the charging mode is bank loan interest plus guarantee fee of guarantee company. Formal guarantee companies only charge a certain percentage of guarantee fees and will not charge interest, which is also a standard to distinguish whether guarantee companies are formal or not. P2P loan financing platform, the amount is not too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain.

According to the description in the General Principles of Loans, a credit loan refers to a loan that is not guaranteed and is only issued according to the credit status of the borrower. When granting credit loans, lenders must strictly examine and evaluate borrowers to confirm their credit status and repayment ability.

The original "General Principles of Loans" even stipulated that "credit loans should be strictly controlled and secured loans should be actively promoted". Due to the high risk of credit loans, in order to reduce the risk, most financial institutions generally need to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers.

Is credit loan reliable?

Credit loans are credible, and credit loans on formal loan platforms are very safe. Formal credit loans are based on the lender's credit information. If there is a problem with the lender's credit information, it will affect the loan approval, and the lending institution may not lend. The main reason that affects the approval of credit loans is the overdue records in personal credit report.

Many domestic banks have credit loans, such as China Bank and China Construction Bank, which can be handled according to their own needs.

Is Ping An Bank's personal credit loan reliable?

Ping An Bank's personal credit loan is quite good. Because Ping An Bank's personal credit loan does not need guarantee, the procedures are simple and the approval speed is fast, which is generally good.

To judge whether a credit loan is good or not, you can look at it this way. Applicable conditions: Different banks have different conditions for applying for loans, such as credit status, income and repayment ability. When a loan company applies for a loan, it mainly depends on its realization ability and personal reputation. Borrowers with debts can also borrow from banks or loan companies as long as they can provide relevant information. Comparing loan interest rates: Compared with credit loans, the risk is lower, and the loan interest rates in different regions of the same bank may be different. Comparison of approval speed: there are many bank processes and the approval time is long. It is possible to get a loan in about 20 working days at the earliest. The loan company has simple procedures and fast approval speed, and it takes 10 working days to obtain the loan. Compare loan lines.

Several common situations in which banks refuse loans;

1. Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting.

2. With the development of the Internet and big data, many people around you have started to borrow money online, some doing business and some supporting loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay it off in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. However, according to experience, 95% of banks will ask you to repay when you actually apply for a loan. After the mortgage is approved, it can be handled. Therefore, you must consult relevant questions before buying a house, because there are many cases of unclear settlement and check-out. (The above refers to the loan on credit reporting).

3. Consumer loans: refers to some loans, such as computer installment and mobile installment, which must be paid off first, regardless of the amount, especially for single customers.

4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan.

5. Is there a low-rent house or a special welfare house for a certain period (regional policy): Before buying a house, make sure whether there is a low-rent house under your own name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.

Is credit loan really reliable?

Formal and legal credit loans are of course reliable. Every bank has its own credit loan products. We can also match products according to users' needs and provide users with credit loans. However, easy borrowing is not recommended. After all, you will have to pay more interest.

Credit loans can only be used for personal consumption purposes (including car purchase, decoration, teaching materials, bulk shopping, tourism, etc.). , and cannot be used for buying a house). You need to provide proof of use when applying, because there is no need for relatively strict collateral review, and the personal credit loan amount generally does not exceed 300,000. How much can you borrow? When you apply for a loan, it can only be determined after being audited by the handling bank.

Is the bank loan reliable?

If you have good conditions, it is definitely better to choose a bank loan.

How to choose a bank loan depends on the main purpose of the loan. If you buy a house, you can apply for residential loans and personal provident fund loans. You can apply for a car loan if you buy a car.

If it is general daily consumption, you can apply for consumer loans and personal credit loans. If it is business, you can apply for business loans or pledge loans.

Banks provide loan services in most fields. When a customer applies for a loan in a bank, he only needs to tell the main purpose of the loan, and the staff will generally introduce the loan. The above is how the loan bank chooses the relevant content.

Introduction of bank loan

Bank loan refers to the bank's policy according to the state.

An individual behavior of economic development, in which assets are lent to those who are in short supply and promised to repay time. Generally speaking, you need to provide loan guarantee, real estate mortgage, or personal income certificate before applying, and your personal credit information is excellent.

Moreover, in the stage of different countries and a country's differentiated development trend, the types of loans differentiated according to various norms are also different. For example, loans from the US Industrial and Commercial Bureau mainly include general loan amount, working capital loan, reserved loan service commitment, and new project loans. In Britain, industrial loans are mostly discounted bills, bank credit accounts and cash accounts. The above is mainly about how loan banks choose relevant knowledge points, and the content is for reference only.

Is the credit loan of Ping An Bank reliable?

Ping An Bank loans are reliable. Ping An Bank is a commercial bank established with the approval of China Banking Regulatory Commission, which can carry out loan business and is a reliable loan bank.

As one of Chinese mainland 12 national joint-stock commercial banks, Ping An Bank's loans are naturally completely reliable. At present, Ping An Bank's loan business ranges from personal unsecured credit loans to mortgage loans, car loans and personal small consumer loans. As a fully formal bank, everyone can use the loan with confidence.

Ping An Bank, the full name of Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by China Ping An Insurance (Group) Co., Ltd., and one of Chinese mainland 12 national joint-stock commercial banks, headquartered in Shenzhen, Guangdong. Formerly known as Shenzhen Development Bank, it is the first publicly listed national joint-stock bank in China.

China Ping An launched personal or family consumption loan business guaranteed by insurance companies. This loan model does not need mortgage, but it still needs the insurance company's audit to repay the loan, which is equivalent to being guaranteed by Ping An Group. The lender shall pay the insurance premium to Ping An Group in one lump sum after obtaining the loan, and deduct the bank interest and monthly repayment amount regularly every month.

It is impossible to borrow money from banks without collateral, and the new "credit guarantee insurance" of Ping An Group has solved this problem. Lenders don't have collateral, and banks worry that customers can't pay back their money and can't control their risks. So the bank handed over risk management to Ping An to check customer information. Ping An will sign a "credit guarantee insurance" policy with customers if it is determined that the applicant has sufficient repayment ability after examination.

It can be said that the threshold of this loan product is the lowest among all platform loans, and its functions are relatively comprehensive. Some platforms are difficult to approve if they have loan records before, but they can continue to lend in Ping An Bank. No matter whether you have paid the monthly payment or used the housing provident fund loan before, you can pass the loan approval again, and all the approvals are online. As long as the conditions are qualified, it is very convenient to lend money quickly.