Gitzo, if you want to get credit information, you'd better not

Second, what does it mean to apply for loans offline?

The so-called "offline loan" actually means that customers need to go to the offline business hall to apply for housing loans like banks or lending institutions, and so on.

Offline loans are actually relative to online loans. Offline loans require customers to go offline, and online loans are naturally online directly, that is, through online channels. The customer approves online and lends money directly to the customer after approval. Online lending is online lending.

Compared with offline loans, online loans are more convenient to handle, but they are also easy to be mixed into some informal platforms. Therefore, if people want to apply for online loans, they must first confirm that their platform for applying for loans is formal and they hold financial licenses. Of course, there are also some private lending institutions that are not very formal, and customers need to open their own "traps".

Loans refer to loans issued by banks, credit cooperatives and other institutions to users with fixed interest and repayment date.

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of expanding social reproduction and promoting economic development, and at the same time obtain loan interest income and increase the bank's own accumulation.

Adaptability of the borrower's credit; Review whether there is a clear situation in registered capital flight; Past loans and repayments; And the borrower's product quality, environmental protection and tax payment.

Suggestions for loan review Every loan should be carefully reviewed, and the risk judgment of the loan should not be based on past review or credit. Just because the borrower repaid the principal and interest on time in the past, the review or investigation procedures should not be relaxed.

3. Is it reliable to borrow money from outlets?

I think it's definitely not reliable to borrow money from outlets, and it's safer to borrow money from regular banks. Now many loan companies outside have higher interest rates and are easy to follow.

4. Is it true that credit is transferred to offline outlets?

Really.

1. Go to the offline outlet to sign the contract, and the customer service or loan officer will inform you of the information you need to bring in advance. Such as ID cards, designated borrowing cards and other supplementary materials. If it is not complete, it is likely to interrupt the signing and make a new appointment.

2. Cost: Some offline companies are not very formal, especially when making mortgages. In the case of car loan, in addition to the evaluation fee and GPS fee, there may be an early service fee. So at this time, we should pay attention to which expenses are necessary and which are unreasonable.

3. Interest: Whether online or offline, the interest must be clear. The annual interest rate exceeds 36%, and some organizations use another name to share the interest among other expenses, so it is enough to calculate the total cost when calculating.