It is also possible that a loan officer from China Merchants Bank is calling a customer to handle a loan.

But if you are very cautious, you can go to China Merchants Bank to handle it instead of handling it over the phone

If the bank customer service staff may not ask you to add WeChat first, then When making a loan, sometimes the other party will contact you by phone and then send you a link. After you download the link, it will appear on that platform that the loan has been issued.

But there is another reason why you have to pay how much money you have to pay before you can withdraw the money. This is a very typical scam.

It’s not normal, don’t believe it. There are many scams where you add WeChat first and then ask you to pay a deposit before you can make a payment. I didn’t believe it after that.

With the development of the market economy, enterprises, companies or individuals have an increasing demand for loans, but there are still many things about loans that are unclear to us ordinary people. Here I will summarize some basic financial knowledge about loans for everyone, so that everyone can learn from each other.

Loans seem to be a very simple matter, just borrow money from others, and then pay back the money plus interest. In fact, lending is a very professional and technical job. If you don’t know some financial knowledge, it is easy to get a loan that is not what you want. In order to help everyone better learn and understand loan-related knowledge, we have summarized ten points of basic loan knowledge.

1. What are the common forms of loans, and what are their characteristics and advantages?

Loan forms are divided into two categories: "credit loan and mortgage loan".

2. What is the difference between "lender" and "borrower"?

In lending behavior, most people do not know what "lender" and "borrower" are.

Lender: refers to a person or financial institution that uses credit funds or its own funds to issue loans to borrowers in lending activities, generally refers to commercial banks and central banks.

·Borrower: refers to an enterprise, institution or individual that borrows monetary funds from a lender by using its own credit or property as a guarantee or a third party as a guarantee in credit activities.

To put it simply, when you borrow money from a bank, you are the borrower and the bank is the lender.

3. What are the common repayment methods?

Common repayment methods include: equal amounts of principal, equal amounts of principal and interest, one-time repayment of principal and interest, and interest first and principal later.

4. What is the base interest rate? What is going up?

The benchmark interest rate is the deposit and loan interest rate uniformly stipulated by the People's Bank of China, which is used to guide the deposit and loan business of commercial banks. Commercial banks can follow market conditions and borrower conditions to fluctuate up or down the benchmark interest rate.

The main reasons for the rise in loan interest rates are that the market demand for loans exceeds the supply of funds. Simply put, banks are short of money. In addition, the borrower's credit status is not good. The bank believes that the loan risk is too high, so the interest rate rises.