Nowadays, loans have become a very common thing, but there are many gangs in the market who cheat borrowers' trust in the name of loans, with the ultimate goal of occupying property, so loans should be cautious. Today, I have sorted out some matters needing attention in loan, so everyone must know more about it.
1 Don't trust advertisements.
Remember, there is no free lunch in the world. Those loans with low threshold, no threshold and unconditional conditions are often hidden dangers, which may be routine. You must choose a formal loan platform.
2. Check the qualification of the loan company
Because criminals generally solicit business in the name of "company", they have no financial qualifications in essence. Therefore, before the loan, the borrower must check the information of the relevant company to see if it is formal.
Don't sign a loan contract at will.
Before signing the contract, you should read it carefully, keep consistent with what you said, write as much as you borrow and write as much as you are interested in. Anyone who promises verbally but refuses to write it into the contract will not sign it.
Please put pen to paper and sign carefully.
When signing a contract, borrowers should be alert to the overlord clauses such as cash discount, high penalty interest and interest rolling, so as to avoid snowballing development of loans and falling into the trap of "routine loans". Read the content carefully, fill it clearly or cross it out in the blank, and don't give the other party a chance to forge, tamper with or add it. Don't listen to the sweet words of the lender, and don't sign or write false materials.
6, but money exchanges, we must keep evidence.
Especially in cash transactions, remember to take photos, record videos or operate in places with video surveillance, and find more irrelevant people to witness. Repayment of principal or payment of interest must be remitted to an account confirmed by both parties in writing, and cash payment should be accompanied by a receipt.
What problems should we pay attention to when handling bank loans?
Nowadays, many people will choose to solve their problems through loans when they encounter financial difficulties. Bank loan is loved by many people because of its low interest rate and safety. However, bank loans are usually strictly examined and may be rejected if they are not careful. So what problems should we pay attention to when handling bank loans?
There are many types of bank loan products, and different loan products have different requirements for borrowers. However, no matter what kind of loan you apply for, the bank will pay attention to the following aspects of the borrower:
1, personal credit information. Whether applying for a credit loan, applying for a mortgage loan or a car loan, the bank will check the borrower's personal credit status, and only when the personal credit is good will there be a chance to get a loan application. Good personal credit information not only means that personal credit information has no overdue bad records, so it should be noted that the number of inquiries about credit information reports should not be too many.
Nowadays, many young people often apply for online loans and credit cards. In the process of applying for these credit products, the institution will inquire about our personal credit report, and this credit inquiry record will be reflected in the personal credit report. If there are too many records of credit inquiry, it will affect the approval of bank loans, because too many records of personal credit inquiry will make banks suspect that borrowers have problems in their recent economic situation. In order to control the risk, the bank may reduce the loan amount or refuse the loan application.
2. Personal income. When handling a bank loan, the bank will ask the borrower to provide proof of income, because the bank needs to judge whether you have the ability to repay the loan principal and interest through these proof materials. The higher the income level of the borrower, the higher the loan amount. In order to ensure that borrowers have a stable source of income, banks usually require borrowers to provide proof of bank flow for nearly six months.
3. Personal liabilities. When evaluating whether the borrower has the ability to repay the loan principal and interest, the bank will not only look at the borrower's income, but also look at the borrower's debt. If a person's debt is too high, then the bank will suspect that the user may not be able to repay the loan. In order to avoid risks, ordinary banks may refuse to lend to borrowers with excessive debts.
4. Proof of assets. In addition to credit loan products, bank loans usually need assets as collateral. If they are dealt with, they usually need to provide proof of income as well as proof of assets, which will be more conducive to the bank's approval of loans.
The above are the precautions for handling loans. Only those with good personal credit information, the ability to repay loans and the willingness to repay debts have the opportunity to obtain loans smoothly.
What should I pay attention to when applying for a personal loan?
Matters needing attention in personal loans are:
1, moderate lending:
When individuals apply for loans, they must fully consider the financial situation of individuals and families. Generally, the monthly repayment amount should not exceed 50% of the family's total monthly income.
2. Choose the right loan product:
Individuals need to choose appropriate loan varieties, loan terms and repayment methods according to their own conditions.
3. Maintain good personal credit:
Individuals need to maintain a good credit record. Once the credit record is bad, it will directly affect the operability of the loan and even be rejected by the bank.
4. Provide true and effective information:
When handling loans, individuals need to provide real personal information to the bank, not false information, otherwise they may be blacklisted by the bank and will never illegally handle loans in the future. Also, when personal information changes, individuals must notify the bank in time.
5. There are clear loan purposes:
When applying for a loan, individuals must explain the purpose of the loan and provide relevant supporting materials, such as purchasing real estate, production and operation turnover, decoration, etc.