First, the so-called face-to-face signing is basically to cheat you to the scene at a low interest rate, and then ask for a high handling fee to help you borrow money from other platforms. In this case, you should not only give them a high handling fee, but also give the platform a handling fee, similar to usury.

Second, if you have good personal qualifications and need a loan, go to the bank for formal procedures. The bank will lend you a loan at the lowest interest rate without charging any other fees. But if you have poor qualifications and want to spend too much money, you need to find a so-called intermediary company. They will help you borrow money through their means and methods, but they will charge extra fees, and the fees will not be too low, so try to follow the formal procedures of the bank. If you want to go through an intermediary, please think twice.

Third, what should be paid attention to in the face-to-face signing of microfinance. Microfinance is an operating loan with individuals or families as the core, and the loan amount is generally between 65,438+0,000 yuan and 200,000 yuan.

1. Look at the interest rate. If it is more than four times the benchmark interest rate in the same period, it is illegal.

2. See if there is any charge before lending. If fees are charged in the name of various fees and interests, there is always the problem of loan default.

3. Check whether there are other suspicious signs, such as remittance to pay interest, charging for various reasons before lending, high interest rate, no contract signed, etc.

Although it is called a small loan, it is also a loan. All loans, whether bank loans or private loans, need your repayment ability. In other words, these statements don't need to be lent to you under any circumstances, so be careful.

Small loan companies should pay attention to timely repayment after the loan. If the microfinance company fails to repay the loan in time, the interest will be punished. At the same time, personal credit information may also be affected. It is suggested that the accelerated loan application be submitted free of charge and accepted by the credit manager of the formal lending institution.