Borrowing a loan is not very reliable.

There are many loan methods, but it is recommended not to take online loans, because many online loan companies are scams and offer super high interest rates. They use low thresholds to lure you into the trap, so it is recommended not to take online loans. It is better to go to a regular bank for a loan. It is safer. If you need it urgently, you can try asking relatives and friends to borrow it.

Irregular loan platforms, interest fees, handling fees, overdue fees, etc. add up to disguised loan sharking. Loan interest is not at all their consideration. What matters is the speed of disbursement. This method of demolishing the east wall to repair the west wall is tantamount to drinking poison to quench thirst. They still had a certain willingness to repay, but the debt they carried had already exceeded their abilities and eventually everything collapsed.

First of all, there are many classifications of personal loans. Here we only classify them according to whether there is collateral, and they are divided into mortgage loans and unsecured credit loans. The following is a simple analysis and explanation of the two types of loans:

1. Unsecured credit loans, which we refer to as credit loans, are pure credit loans issued by banks to individual customers based solely on the nature of the unit, punch-in salary, social security provident fund, etc. This will also derive a consumption The concept of loan, of course, there is no direct difference between the two concepts.

2. Mortgage loans, here mainly refers to house mortgage loans, of course, there are also vehicle mortgage loans, etc., which will not be described in detail here. Mortgage loans are divided into two types: mortgage business loans and mortgage consumer loans. The amount of mortgage consumer loans generally does not exceed 1 million. Mortgage business loans refer to using personal houses to apply for loans for company operations. As the name suggests, you need to have a company in your own name or in the name of your immediate family members. Immediate family members include husband and wife, parents, children, brothers and sisters, etc. Mortgage loans can also be divided into first offset and second offset based on whether there is a mortgage. In other words, those with mortgages are called second offsets. Let’s take a look at how to operate a mortgage business loan:

Valuation, based on the property cost, the appraisal agency will conduct a valuation to roughly calculate the amount that can be loaned, the interest rate, the term, etc. For the interview, go to the bank for the interview, and you need to provide the house book and other relevant materials. If you don't have a company, you can start operating the company, such as changing shareholders or legal persons, or registering a new company, etc. Of course, the specific requirements will depend on the bank's requirements. The bank approves the loan, and after the loan is approved, the property is mortgaged, notarized, etc. The loan is disbursed and the loan processing is completed.