Stay away from illegal fund-raising, away from online loans, whether swindlers or loan sharks, away from online games, taking part-time jobs and swiping bills to join in handling financial lottery tickets, stock trading and foreign exchange futures fraudsters are flying all over the sky. If you report a case at your local police station or criminal police team, you can file a case more or less. 3000 involves crime. According to the contract signed by both parties and the actual performance, if there is any dispute, it is recommended to entrust a lawyer to file relevant lawsuits and claim that the other party will return your investment funds.

Pay attention to identifying and preventing the risks of illegal fund-raising. Illegal fund-raising refers to the act of legal persons, other organizations or individuals absorbing funds from the public (including units and individuals) in violation of national financial management laws and regulations. Investors should strengthen their awareness of risk prevention, form a sense of taking risks at their own risk, express their demands rationally, and take the right path of legal relief.

First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:

1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's see how to operate a mortgage:

Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.