Many people can't help complaining when they hear these procedures: "Don't you just borrow a loan?" ? As for so much trouble? "In this regard, Bian Xiao just wants to say, I don't want to tell others, I want others to lend you money? Wake up, my friend, it's already dawn-
Ask yourself, if there are loans that you can borrow only by signing an ID card or an IOU, do you dare to take the trouble to borrow these loans? I'm afraid you hesitated yourself. Originally, if you want a loan, you don't have to bother-
Who dares to lend easily without knowing the borrower?
Formal lending institutions, whether mortgage loans or credit loans, need to assess the comprehensive situation of customers, strictly control the customs, and do a good job in risk control measures. Lenders are not charities, and they don't lend when they need money. No one dares to lend without knowing the borrower.
It's too much trouble for you to need money urgently.
Although the loan procedure is troublesome, every borrower cannot avoid this process. The borrower must fill in the application form and provide information according to the loan process. I think Wang Jianlin ran the bank 55 times when he founded Wanda. The most important thing is that you need money urgently. If you have your own needs, don't bother. Even if you borrow money from relatives and friends, you still need to make an IOU, let alone borrow money from a lending institution.
Is it credible to get a loan just by ID card?
At present, there are many advertisements in the market saying that "only ID cards can be used for loans", which makes people who want to save trouble and are afraid of trouble feel excited, but after applying for loans, you will find that only ID cards can be used for loans, just to attract your attention. Usually, this situation is probably not a formal lending institution, which is a bit tricky. This is either tampering with the terms of the contract or changing the rhetoric of charging interest to extract your money, so you must be careful.
Why should I pay back the money I borrowed with my ability?
It is unacceptable to think so. Failure to repay the loan or serious overdue repayment will have a negative impact on the borrower. Lighter people will have a high penalty interest, receive crazy collection of text messages and phone calls, so that credit information will affect future loans; What's more, if you are on the list of untrustworthy people, your travel will be restricted, your children will suffer, or you will be sued by the lending institution, and you may be jailed.
Fraudulent lending is a financial crime and will be sentenced.
Some individuals or enterprises want to cheat loans by fabricating false reasons such as introducing funds and projects, or using false economic contracts and supporting documents to cheat loans. This behavior of defrauding banks or other financial institutions of a large amount of loans for the purpose of illegal possession is a kind of financial crime, and it also requires criminal responsibility, and if it is serious, it will be sentenced.