First of all, I would like to remind you that regular microfinance companies will not charge you any fees before lending money. Teach you a few tricks to distinguish between true and false credit companies in case you are cheated.

1. Will you charge fees before the loan? If you ask for various fees before you get the loan, it is basically a lie.

2. Accounting compound interest, that is, interest will naturally occur in the next few months, commonly known as "rolling interest". If it is, there must be something wrong.

3. Interest is higher than the national regulations. According to the regulations of central bank lenders, the interest of private lending cannot be higher than four times the loan interest rate stipulated by the state. The excess part is not protected by law. The monthly interest rate of 3% should be high, which is not very reliable.

4. Whether there is a fixed and long-term office location and contact information, regular companies will not change places immediately, and even if they change, they will inform customers through various channels. It is suggested that we can visit the company on the spot.

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.