False loan companies generally have the following characteristics:
1, the commitment is far lower than the loan interest of formal financial institutions in the market.
2. The promised loans to cities all over the country can't be realized.
3. Claiming to cooperate with the bank to lend money, but there is no such cooperative customer after communicating with the bank.
4, online publicity, the website is small, generally for individuals to establish a secondary website, only mobile phone number, no formal contact information.
5. The relevant information of the loan company can't be found on the website of the industrial and commercial department.
6. The so-called award-winning certificates left by the website are vague and can't see the actual content clearly.
7. Most of the pictures on the website were stolen from the existing well-known loan websites.
8. The mobile phone number left by the advertisement does not match the local city, so be sure to ask for more relevant information.
9. Ask customers to remit money to personal bank accounts.
10. It's easy to tell you that your audit has passed, and you can check the accounts by phone.
1 1. Use professional knowledge to guide you how to create false information to obtain more loan amount, and then blackmail your loan success agency fee.
12, promise that within one week, as long as you spend money, your credit will become a blank sheet of paper.
How to tell whether a loan company is formal?
1, seeing that the conditions of microfinance companies are particularly relaxed.
If he can get a loan only by providing his ID number and a copy, and does not need any proof of salary and income, then Jane must be a liar. Charity can't do this!
2. Check whether the certificates and qualifications of microfinance companies are standardized.
When looking for a loan from a small loan company, we must pay attention to whether the documents of the small loan company are complete, whether the materials presented are consistent with the online filing materials of the Industrial and Commercial Bureau, and whether the registered capital is more than 5 million, so as to ensure that there are enough funds.
3. See if the microfinance company will charge a handling fee.
If it is a regular microfinance company, it will not charge any fees before lending. Be careful if you need to charge a handling fee or something. It must be a fraud company.
4. See if the microfinance company has any entity companies in reality.
There are many online microfinance companies now. Although it is online, there must be a physical company in reality. Don't trust the loan companies that only provide telephone and QQ, and sign the contract in person.