1. Will I get a loan for packaging loan? The consequences are quite serious!

Some people may not be able to get a loan because their qualifications are average, so they want to package the materials and apply. Someone asked me if I would get a loan if I packaged it. So let’s briefly talk about this issue. I hope it will be helpful after reading it.

Will I get a loan for packaging loan? It is possible to get a loan. Apply after packaging the information. If the review is stricter, it will be easy to find mismatches in user information and then reject them. However, it does not mean that it will be discovered 100%, and it is still possible to get a loan. However, users need to note that even if they successfully obtain a loan, there will still be post-loan management in the future, and the impact on normal repayment will be relatively small. Once the user is overdue in this situation, the platform is likely to determine that the user has intentionally defrauded the loan. Possibly, the consequences will be very serious. Furthermore, even if the platform does not discover it, the cost of packaging the loan is still very high. Coupled with the interest or other service fees charged by the platform, the actual amount obtained may be relatively low, and the debt to be repaid is high, so it is not cost-effective. , there is no need to package it. And if you fail to successfully apply for a loan after packaging, you will lose a sum of your own funds in vain. The above is the answer to "Will you get a loan if you package a loan?" In general, packaged loans themselves carry great risks. Once discovered, they may be found to have deliberately defrauded loans, and in serious cases, they may also be held criminally liable. Moreover, packaging costs are high, and even if it succeeds, the cost will be high. It is recommended not to do this. It is better to improve your credit situation before trying again.

2. Is it risky to package a loan with a credit report?

If the credit report is not good and the loan is packaged, the chance of a successful loan is not high, because users cannot package the credit report no matter how they package it. Erase the bad credit record

Now when applying for a large bank loan, if the user has a bad credit record, there is a high probability that the user will be rejected

In addition, if the bank detects that the user has a credit package This behavior will seriously affect future loan and credit card processing. It cannot be overdue. It cannot be overdue twice in half a year. It cannot be overdue three times in two years. The total is 6.

3. Going to the bank for a loan through a loan intermediary is considered Well, what kind of legal liability will you bear in the future?

Whether a packaging company applies for a bank loan depends on the specific circumstances:

1. If the information submitted by the "packaging company" when applying for a loan from the bank is true, It is not constituted.

2. If the "packaging company" "packages" an individual by forging false materials to obtain a bank loan, it will constitute a loan crime and shall bear criminal liability.

In addition, if an individual knowingly or intentionally entrusts a "packaging company" to defraud a loan by forging false materials, it also constitutes a loan crime.

"Criminal Law"

Article 193 The crime of loan falls under one of the following circumstances: a loan from a bank or other financial institution for the purpose of illegal possession, if the amount is relatively large , shall be sentenced to not less than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; if the amount is huge or there are other serious circumstances, the sentence shall be not less than five years but not more than 10 years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan. ; If the amount is particularly huge or there are other particularly serious circumstances, he or she shall be sentenced to not less than 10 years in prison, or a fine of not less than 50,000 yuan but not more than 500,000 yuan, or property confiscated: ) Fabricating false reasons for introducing funds, projects, etc.;

(2) Using false economic contracts;

(3) Using false supporting documents;

(4) Using false property rights certificates as guarantees or repeating guarantees exceeding the value of the collateral;

(5) Loans by other methods.

4. Will you get a loan if you package the loan?

Yes, let’s see how the package goes for you