The loan with the greatest risk among the following loans is (C)
A. Mortgage loan B. Short-term loan C. Credit loan D.
What are the risks?
Risks include: illegal interest calculation, overdue collection, and influence on credit investigation.
In life, there will be various advertisements in our mobile phone content at any time, and are these really as good as the advertisements say? The answer is no.
The ultimate goal is to obtain high returns through a small amount of principal, and there are still serious risks.
First, illegal interest makes the borrower's life burden heavier.
Many of them have illegal interests, including beheading interests, service fees, membership fees and so on.
According to the final interest of credit cards, the daily interest of 1 1,000 yuan is the highest in 5 yuan, while the interest of 1 1,000 yuan is far higher than the highest interest of credit cards. The extra messy expenses make borrowers have to repay high principal plus interest, which greatly affects their lives.
Second, overdue collection affects yourself and your family.
Due to the illegality of interest, borrowers often choose soft and violent means to harass borrowers after overdue, instead of taking legal action to recover debts.
In the process of overdue collection, it will have a great impact on borrowers. Regarding the concept of borrowing money in our country, if relatives and friends find that you have borrowed a lot of money, they will have a certain opinion of you, which will also affect your personal credit, because besides your parents, who is willing to get involved in your own life troubles must be considered.
Third, the destruction of the personal credit information system.
Some small loans are cleverly designed, and all the extra interest will be evaded by service fees or other expenses. So these small loans actually have many problems, but unfortunately, these small loans may also be related to personal credit information.
Once an individual borrows such a small loan, the credit data will be directly destroyed after it is overdue. Even if it is not overdue, it will make his own credit data spend, which will affect his personal mortgage.
Conclusion: Cherish life and stay away from small loans.
What is the biggest risk in bridge loan? You will know after reading it!
Bridge loan, also known as bridge loan, is actually a short-term transition between banks and financial institutions. Generally speaking, the time is very short, no more than one year at most, and certain guarantees are needed, such as fixed assets or goods, so the risk is actually not that great. So what is the biggest risk in bridge loan?
1, small and micro enterprises can't bear it.
As the cost of bridge loan is as high as 40% or more, some small and micro enterprises choose bridge loan to solve the temporary funding problem. The shorter the time, the higher the interest rate.
Compared with other loans, the loan interest rate is far beyond imagination. Once there are risks in the company's operation, capital fracture and high bridge loan interest will further increase the cost. Once, an enterprise borrows 50 million yuan and uses it for 6 days, and needs to repay interest of 6,543,800 yuan+0.2 million yuan. Such a high loan cost is unbearable for ordinary enterprises.
2. Financial risks
At present, many banks and financial institutions are not so strict in auditing bridge loan. Once the enterprise's capital flow breaks and it can't repay the loan, it will involve many interests and trigger a series of financial risks.
Even some bank staff, in order to complete their own performance, will give the green light to the enterprise in some aspects, and the top management will not organize it. In the event of an accident, employees may run away and leave a mess.
3. Consequences of overdue repayment
The loan time of bridge loan is very short, some even only a few days, which is only suitable for short-term enterprises. If the funds are overdue, there will be a penalty interest, and the repayment pressure is even greater.
To sum up, there are many risks in bridge loan, and some financial problems can be solved. Small and medium-sized enterprises should carefully calculate the loan cost before choosing bridge loan to avoid the situation that they can't afford it.
2022-08- 17 answer
The biggest loan risk is introduction. Let's stop here.