1. Lending institutions As we all know, in addition to the formal bank loan platform, mainstream institutions that can issue loans in the market also include non-bank lending institutions such as microfinance companies and pawn shops. We can judge whether the lending institution is reliable from the following aspects: judging whether the formal lending institution has a fixed business place and contact information through contact information, while the informal lending institution generally only has a mobile phone number or QQ number, and will not leave a fixed phone number, so we should pay attention to the contact information of the institution. B. According to the acceptance area, formal lending institutions only handle local business, which is conducive to controlling credit risk, while informal institutions generally claim that "they can handle national business, which may be a kind of deception in different places, so you should pay more attention to this." According to the loan interest rate, "high risk often means high income".
2. We often see that institutions with low application threshold often charge higher interest because of high loan risk, and vice versa. Therefore, if it is a "low threshold, low interest rate" loan product, it is obviously not in line with market rules, so lending institutions with low interest rates must be careful. Are there any fees before the loan? General loan companies only accept the deposit before lending, because they want to give you a bank run; The handling fee will only be charged after the loan is completed. When he comes, he will charge you a service fee. Most of them are liars, so pay attention to this. E. Having a fixed place of business When looking for a mortgage loan from a loan company, the borrower needs to know whether the loan company he chooses has a fixed place of business first, because the fraud company only has a simple loan website and simple contact information. Do you have a business license? As we all know, regular mortgage companies will be registered in the local industrial and commercial departments. Then the borrower can log on to the website of the local industrial and commercial department to check whether the loan company has been registered. The deputy editor-in-chief of Financial Services suggested that borrowers should go to the loan company in person.
3. Loan products Any loan product must strictly stipulate the loan object, loan amount, interest rate and loan process. If the loan product has no strict regulations on the loan target, the loan interest rate is too low or too high (the annual interest rate is above 36%), and the loan process is unclear, it is suspected to be an "informal loan". The business of credit practitioners, whether banking institutions or non-bank lending institutions, has strict regulations on the daily behavior of their employees. In particular, employees are not allowed to package qualifications and ask for bribes for customers. If the staff of the lending institution asks you to pay the packing fee on the grounds of insufficient qualification, you should think twice, because this will not only increase your financing cost, but also increase your risk of being "defrauded by the customs".