Private loans without any mortgage are called empty loans.

Second, what does it mean to leave the loan empty?

The loan is empty, which means that the borrower's loan is unsecured and unsecured. And very quiet.

The interest rate of this kind of loan is too high, which is not cost-effective and insecure for the borrower. Most of the empty loans are private lending institutions. If it's not particularly urgent, it's best to handle the loan project in the bank.

Lenders should guard against lenders. Lenders have low requirements, no mortgage and no other requirements. The lender does not disclose the name of the company, nor can it provide formal contract texts and invoices.

3. What is an idle loan? Is it reliable to put loans in the air?

This is an unsecured and unsecured loan. I usually understand it as. This, ultra-high interest rate credit loan, is almost the same as empty release, or regular banks can rest assured. It is better not to borrow private loans, and it will be profitable if the interest rate is high. I believe everyone has heard the news that because of borrowing, families eventually broke up or embarked on the road of crime. I hope you can borrow money through formal channels and don't take big risks to borrow private loans. At present, I have read the crimes in the criminal law, but I clearly stated that those who illegally absorb business trips and violate the criminal law should be investigated according to law; Legality of free lending: 1. According to Article 6 of the Supreme People's Court's Opinions on People's Trial of Lending Cases, it is appropriate.

4. What does "empty loan" mean?

Free lending means that borrowers can get loans without providing any mortgage or guarantee to lending institutions. Generally speaking, most empty loans are handled through private lending institutions, and the interest will be higher.

Therefore, the applicant must pay attention to that if the annual interest rate given by the lending institution exceeds 36%, the excess will be regarded as invalid interest rate, and the borrower can not repay it.

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.

Extended data:

Avoid (risks)

1, it is necessary to strictly review the market access mechanism and review the qualifications of some private lending institutions. Private banks with certain funds that can operate according to law can be used exclusively by private financial institutions within a certain period of time.

2. The interest rate of private lending should be managed more transparently. To standardize this kind of private lending, we should fully consider the lending demand and incorporate it into our effective management methods, which can fluctuate according to the requirements of the lender's qualification level, and use some market competition to promote the development of lending norms.

3. Introducing loans into the real economy, people have a lot of capital, so where do they need to go? But we also need to enter the cycle of the real industry, so as to promote the sustainable development of the real economy. Instead of just wandering around as some free capital, it is better to use it legally and normatively.