This is not necessarily cheated, but also depends on where you borrow money, through the bank of the financing company or with your own funds. If it is free funds, some of them need loan insurance, but the interest rate of free funds is also high. If you are not in urgent need of funds, you will generally not choose. Moreover, private funds are mostly used for short-term bridge demolition. ：
1. Contact information and business premises
Regular lending institutions will have fixed business premises and contact information, not a QQ number or a series of mobile phone numbers. If it is not a regular fixed landline number, it is likely to be a scam, so pay attention. When a borrower seeks a mortgage loan from a loan company, he first needs to know whether the loan company he chooses has a fixed business place. If there is only a simple loan website and simple contact information, then he is a liar.
2. Upfront cost and loan interest rate
Judging from the loan interest rate and upfront cost, the loan products that meet the "low threshold and low interest" are not in line with the market rules. In the upfront fee, a deposit is usually charged before the loan is made, and they need to go to the bank to handle it for you. A handling fee will be charged after the loan is completed. Otherwise, there is something suspicious. If he wants to charge you a service fee, he is mostly a liar, so pay attention to this.
3. Acceptance area and business license
Formal lending institutions only handle local business, which is conducive to controlling credit risks, while informal institutions generally claim that they can handle national business, which is probably a means for them to cheat in different places, so we need to be vigilant. Formal lending institutions will be registered in the local industrial and commercial departments. Borrowers can log on to the website of the local industry and commerce department to check whether the loan company has been registered. It is best to visit at home.
4. Bank cooperation and loan conditions
The bank will check the loan companies that cooperate with the bank. You need to check whether they cooperate with the bank. If there is no cooperation, they are private lending companies, so you need to make an indirect investigation. If the loan company claims to be interest-free and only needs an ID card to apply for these advertisements, then the borrower will be vigilant to avoid being cheated.
Formal loan platforms usually don't charge pre-loan fees for any reason, so be vigilant when encountering them. If you need money urgently, you can consider using loans to relieve the pressure, and at the same time try your best to make money. There are many ways to apply for a loan now. You can apply for a loan from the bank by mortgage. A more convenient way is to apply for a personal credit loan. It is recommended that you choose a formal platform when applying for a loan to better protect your personal interests and information security.
What are the financing methods of the company?
There are several ways for enterprises to raise funds:
1. Bank loans are divided into three types according to the nature of funds: working capital loans, fixed assets loans and special loans;
2. Stock financing, because the stock is permanent, has no expiration date, does not need to be returned, and has no pressure to repay the principal and interest, so the financing risk is relatively small;
3. Bond financing and corporate bonds, that is, corporate bonds, are securities issued by enterprises in accordance with legal procedures and agreed to repay the principal and interest within a certain period of time, indicating that there is a creditor-debtor relationship between bond issuing enterprises and investors;
4. Financial leasing and financial leasing have dual functions of finance and trade through the combination of financing and finance, and play a very obvious role in improving the financing efficiency of enterprises and promoting their technological progress. Financial leasing includes direct purchase leasing, after-sale leaseback and leveraged leasing.
5. Overseas financing. The overseas financing methods available to enterprises include loans from international commercial banks, loans from international financial institutions, and bond and stock financing business of enterprises in major overseas capital markets.
What does financing loan mean?
Financing loan refers to a financing method for enterprises or individuals to achieve financing purposes by applying for loans from banks. Financing loan is an important part of China's banking financing system. There are two ways of financing loans: short-term credit loans and mortgage loans. The biggest advantage of financing loan is that it can supply the company in a short time, but the funds that can be raised are limited, the application process is complicated, and a guarantor is needed.
Provisions on financing loans of government platform companies
In view of the rapid growth and potential risks of corporate credit in government financing platforms, the CBRC has put forward regulatory requirements: it is strictly forbidden to issue bundled loans, strictly investigate, evaluate, approve and lend money item by item, and it is not allowed to sign large-scale credit cooperation agreements with local governments without specific projects, and those that have been signed may not be implemented; Combined with the solvency of local governments, strengthen the evaluation and control of the repayment ability and loan risk of financing platforms; Generally, the term of the project loan shall not exceed the project construction period plus 65,438+05 years, and the longest term shall not exceed the project construction period plus 65,438+05 years; Bridge loan can only be used for non-productive projects, and it is strictly forbidden to issue bridge loan to productive projects; After the original planned funds are in place, the principal and interest of bridge loan shall be returned, and preferential interest rates shall not be given, nor shall they be occupied for a long time, nor shall they be used as project funds.
Legal basis:
Measures for the Administration of Loans from Local Government Financing Platforms of Commercial Banks Article 4 Local government financing platform loans refer to loans that take local government financing platforms as the main borrowers and are still managed according to platform loans because they do not have commercial operation conditions for the time being. (hereinafter referred to as platform loan)