Chongqing Hong Xin Loan Company is irregular. First of all, regular platform loan companies are more reliable at reception and will not charge formalities. Some illegal platforms will charge fees or behead interest before the loan comes down, and some platforms will have many routines, basically turning interest into usury, so that lenders will not pay back the money in the future.

First, how to tell whether a company is formal?

Some people will choose loans when they encounter financial problems, but now bank loans are strict and need to review a lot of information. It is generally difficult to apply for a loan. For example, if the qualifications are not good, you can only borrow from some online lending platforms or loan companies. First, we must choose a formal loan company. It is generally necessary to check the business license of this loan company. As long as it is a regular company, it will be registered in the relevant departments. Moreover, the formal loan platform will not charge any formalities before the loan, and it also needs to look at the interest when lending. Formal loan platforms and companies will charge reasonable interest, but the interest rates of some loan companies will exceed 36% of the national standard. This situation is generally usury, and the state will not protect this part of interest. Moreover, formal loan companies will have certain audit standards when lending. Some illegal platforms only need ID cards, so they must be fraud companies.

Second, are lending institutions reliable?

Usually, intermediary companies are credible, because the job of formal loan intermediary companies is to help customers complete loan processing, and then charge a certain fee according to their work. The handling fee usually depends on the difficulty and workload of the work, so everyone's handling fee may be different. Here, Bian Xiao would like to emphasize that the above situation is usually based on the choice of formal intermediary, and now many intermediary companies, large and small, cheat in the name of intermediary, so this is also the reason why intermediary companies have a bad reputation.

Third, although many people will choose loans, in fact, loans have certain principles for many people, because they will have a certain impact on the life and work of lenders. First of all, the pressure will become very great, because the principal and interest need to be repaid every month. Although it can solve the current small problems, the pressure will be great after a long time.