1. Formal loan companies do not charge fees before handling loans.

In a formal loan company, the borrower will not be charged any fees before lending. Therefore, if the borrower encounters pre-loan charges online or when the company handles loans, you can immediately identify it as an irregular fraud company.

2. Formal loan companies are closely integrated online and offline.

Ordinary loans are often difficult to complete transactions directly online, and loan companies need to judge whether they can lend or make corresponding loan scheme suggestions according to the actual situation of borrowers. Therefore, formal loan companies often take the network as an open product display platform and offline service as the actual carrier, and choose face-to-face signing when signing contracts. Because regular loan companies have business licenses and office space. If you meet a company that asks to sign a loan contract by fax or without meeting, you should be vigilant to prevent being cheated. There is no business license, no company name, no formal business premises, and no formal contract text. Generally, they only have one mobile phone or website.

3. The loan process of formal loan companies will not shrink.

The process of handling loans in formal loan companies is relatively complicated, and borrowers need to provide various materials. If the mortgage involves physical objects, such as house mortgage or car mortgage, the physical objects will be evaluated and inspected. On the contrary, companies often attract customers to apply for loans with extremely low loan threshold, almost no interest and fabulous lending speed. After trapping the customer, unconsciously let the customer pay the bill. At the same time, if the loan requirements are particularly low, will those institutions that generally claim that "loans can be made only by ID cards" lend without "judging whether you have the ability to repay in full and on time"? Be careful when you meet this kind of organization, it is likely to be a fraud company.

What are the regular loan companies?

1 Formal loan companies can be roughly divided into two categories. One kind needs guarantee or collateral, usually houses, cars, machinery and equipment, and some choose units or individuals to do joint guarantee;

The other is unsecured and unsecured, that is, credit loans, which are mainly aimed at the credit records of individuals and enterprises. Because this kind of loan is risky, the interest is generally higher than that of banks.

Expansion: 1 Regular loan companies all have licenses issued by government departments, and the companies all have their own offices, portals and professional divisions. Those well-known loan companies have their own formal procedures. We should pay more attention to and collect more information about this little-known company.

Formal loan companies will not charge any fees before lending, and the information collected is also a copy. We should be more careful about those who charge fees in various names.

The industry standards, reference systems and risk control systems of loan companies are the same, and the difference will not be too great. If the loan interest of some companies is ridiculously low, be careful. Generally speaking, loan companies treat most borrowers equally.

A formal loan company will sign a formal contract with the borrower, which will indicate interest, fees, repayment information and so on. The contract must be signed by the borrower himself before it can take effect.

5 The business process of a formal loan company generally has the following seven steps:

1. The borrower calls in advance to inquire about relevant loan matters.

2. Submit loan application materials to the loan company.

3 formal loan companies to review the application materials.

4. Audit data passed

5. Both parties sign a loan contract.

6. Lending company loans

7. The borrower repays the loan on schedule.

6 Classification of application conditions

1. mortgage: the monthly housing loan (mortgage or mortgaged house) nationwide, with the amount of 300,000-500,000. The loan can be released within 1 month after repayment, and the loan amount is 20- 100 times of the monthly mortgage.

2. Policy category: the amount is 300,000-500,000, and the applicant is the insured. After two years, three insurance payments can be made, which can be 25-30 times of the annual payment of the loan policy.

3. Social security accumulation fund: the amount is 3- 1 ten thousand. The personal provident fund of the current unit is paid in 480 yuan/month, and the loan can be 250-400 times of the monthly payment.

4. Punch salary category: the amount is 200,000-500,000, and you can apply for it after working in your current unit for 3 months. If the monthly after-tax income is above 3,500, the loanable amount 15-50 times the punching salary.

5. Housing value category: the amount is 300,000-700,000 (20% of the appraised value). As long as there is a full house in Beijing, "two-limited housing, affordable housing for less than five years, delivery room", pure credit can be used, 300,000-700,000.

6. Super-sub-loan: excellent customers such as state-owned enterprises and institutions can apply with their work certificates of ID cards, with a loan amount of 500,000-300,000 yuan (the loan amount is calculated according to the income from work certificates).

What companies are there in the formal loan platform?

Formal online lending platform:

1. CreditEase 20 12 launched Pleasant Loan, and 20 15 was listed on NYSE.

2. Renren Loan is a loan platform under Xinyou Jinfu, which was established on 20 10 and is one of the earliest online lending platforms in China.

3. China Ping An's platform, lufax, was established in Shanghai on September 20 1 1, and was supported by the Shanghai Municipal Government.

4. Paipai Loan was established in June 2007 and listed on the New York Stock Exchange on 20 17. It is the first online lending platform in China.

Expand data

What is online lending? In fact, as the name implies, online lending is online lending. For example, if you borrow money from him on an application, then this is an online loan. And like the flower beds used by many people, these are collectively called online loans. Online lending is online lending. Online lending is actually borrowing money online and borrowing other people's money, commonly known as online lending, but some online lending is safe. It is also a formal channel. Some online loans are informal channels, just like flower quilts. These are formal channels, and the interest rate is relatively low. So if you borrow money from others online, it is also called online loan, so this kind of online loan is more dangerous. Online lending is also an informal online lending.

Borrow money on a regular basis with a purpose. For example, if I use it normally and repay it normally, then I think this online loan is normal, but you borrow money from major platforms and those informal platforms. Then this kind of online loan is particularly dangerous, which may cause the destruction of your family and your own debt. What about things like this? Sometimes, blindly borrowing money will make you owe online loans, leading to family destruction. Because some of them are informal, the interest on online loans is extremely high and the profits are rolling. In the end, you can't afford it, directly.

The reason why many people blindly borrow money is precisely because they blindly spend money to compare with others, which leads to so many people going online and generating huge debts that they can't bear. But blind consumption, we should not blindly consume and compare with others.

In short, talking like blind consumption is an important reason why I owe huge online loans. Therefore, we really shouldn't blindly consume, which will have an impact on our future and cause us to owe huge debts. If you can't bear it, it will directly lead to parents' debt.

What are the top ten formal lending platforms?

The official online lending platforms of 10 recognized by the state mainly include: Youhuahua, Jingdong Finance, Suning Finance, Ping An Hewlett-Packard, Micro-loan, Credit Loan, Xiaomi Loan, Zhongyuan Consumer Finance, Meituan Life Consumption and Zhaolian Good Term Loan.

The following is a brief introduction to the licensed financial background of Bian Xiao based on the platform.

1. Money to spend: Xiaoman Financial's credit products are formal and reliable lending platforms, among which Iman Loan provides borrowers with a maximum loan amount of 200,000, with a daily interest rate of 0.02%-0.065%. The better the credit, the lower the loan interest rate, and the service life is generally 12 months.

2. Credit loan

The loan was renamed as a credit loan, and the safety index was relatively high. At present, as long as it can meet the sesame credit score of more than 600. The loan amount that can be applied for ranges from1000-300,000 yuan.

If there is demand, it is recommended that you spend less than full, that is, the original Baidu Finance, 20 18 split, to achieve independent operation. The background of the company is a financial information technology company established in Chongqing, with a registered capital of 300 million yuan and official license. Its main business is to spend money on credit services, with Baidu brand background and technical support.

In addition, Du Xiaoman also has wealth management, wallet payment, insurance brokerage and other businesses, and has obtained securities and futures licenses, payment business licenses and insurance intermediary licenses accordingly. These businesses are completely open and in line with national supervision.

What are the regular consumer finance loan companies? Look at these five

A consumer finance company refers to a non-bank financial institution established with the approval of China Banking Regulatory Commission and holding a formal license. The maximum loan amount granted to an individual does not exceed 200,000 yuan, and the loan funds can only be used for daily consumption purposes, and may not be used for car purchase, house purchase, investment, etc. So, what are the regular consumer finance loan companies? Let's take a look together.

What are the regular consumer finance loan companies?

1, Zhaolian Consumer Finance

Established by China Merchants Bank and China Unicom, two Fortune 500 companies, with the approval of China Banking Regulatory Commission, the registered address is located in Shenzhen with a registered capital of 654.38+0 billion yuan. Its good-term loan products have a maximum loan amount of 200,000, a maximum loan period of 36 months and a minimum annual interest rate.

2. Consumer Finance of Hangzhou Bank

With Hangzhou Bank as the main sponsor and approved by China Banking Regulatory Commission, it is also the first consumer finance company in Zhejiang Province with a registered capital of 1 100 million yuan. Its exclusive light loan products can borrow up to 200,000 yuan, with daily interest and the lowest annualized interest rate.

3. Consumer Finance in Yin Chang

Established by Changan Bank, Huitong Leasing and Yide Sean, among which Changan Bank is the 6th consumer finance company in China and the first officially licensed consumer finance company in Northwest China, with the maximum loan amount not exceeding 200,000 and the annual interest rate ranging from19.88% to 23.88%.

4. BOC Consumer Finance

It is a comprehensive operating company under the Bank of China. Approved by China Banking Regulatory Commission, it was established on June 20 10. It is also the first consumer finance company in Shanghai. Its new easy-to-borrow credit consumer loan product has a maximum loan amount of 200,000 yuan, and the annualized interest rate is between simple interest and transparent fee.

5. China Postal Consumer Finance

Established by seven well-known enterprises, including China Postal Savings Bank, and approved by China Banking Regulatory Commission, it is headquartered in Guangzhou with a registered capital of 3 billion yuan. A variety of loan products, such as revolving loan, extremely fast loan, owner loan and postal savings loan, were launched, with a maximum loan of 200,000, the maximum repayment in 24 installments and the lowest annualized interest rate.

The above is about "which formal consumer finance loan companies are there?" I hope I can help you.