If you don't pay back the credit, don't help others with the loan, because if he has money, he will look for you to make money. Why did he give you this chance again?
Matters needing attention in loan
Beware of being maliciously overcharged.
Many merchants will take "zero interest" as a gimmick to promote sales, but when "zero interest" is combined, the handling fee, service fee and platform operation fee will be quietly "spent", so it is necessary to calculate whether the handling fee and the bank have other additional fees. If the fee is high, you can apply for a bank consumption loan.
Avoid repeated blind applications leading to credit investigation.
Some friends go to the hospital when they need money badly. They don't know what kind of loan products they can apply for, so they apply everywhere, which will lead to credit investigation. If the number of credit inquiries in a month is 6- 10, especially for small loan companies, it is said that some online loans should not be clicked casually, and there will be records after clicking.
Pay attention to the repayment method
The lending platform provides principal before interest, equal principal and interest, etc. Choose the corresponding repayment method according to your actual situation.
The method of paying interest first and then the principal is to pay interest first and then all the principal. Compared with the latter two methods, this penultimate repayment amount increases sharply, and the risk is the greatest. For the repayment person, the interest to be repaid is the most, which is generally applicable to short-term loans. Zaitong
2. What are the risks of corporate loans made by others in the name of our company?
1. The risk that someone else's company borrows money in its own name is that once the backdoor company handles the loan in the bank, from a legal point of view, the company will bear the responsibility of using and repaying the loan, and such a loan is untrue, so it should also bear the responsibility of fraudulent loans and be punished as finance. Therefore, your company should bear economic and legal responsibilities.
2. A company as a legal person refers to an enterprise organization established in accordance with the Company Law, which has independent property, can enjoy civil rights and assume civil obligations in its own name, and bear civil liability for the debts of the company with all its property.
3. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. 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 social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.
Third, others borrow money in my name.
Hang a fart! The main borrower is your name, and that's the money you borrowed, okay? Nominally, what about this? Do you think the law recognizes it?
The loan contract is your name and your debt, remember. He mortgaged the house just to guarantee your loan and bear joint liability, but the first debtor is you, okay?
A little big? Millions? If you have no assets, can you still borrow that much money? The quantity you said is a bit large. Hundreds of thousands?
Four, others borrowed a loan in my name, what should I do now?
Urge the other party to repay as soon as possible. Because the other party borrows money in your name, if he insists on not paying it back, it will have a great impact on your personal credit, so I suggest you try to get him to pay it back as soon as possible.