At present, there are many online loans on the market, claiming that you can apply for a loan with just one ID card, and all the major giants believe that finance is a piece of meat and are actively deploying it.
I have often been asked by customers before. I often see various small loan advertisements on a certain website. With an ID card, the limit is immediately available, and the amount is 3,500, which is very convenient to use. Like this Can the loan be used? My personal suggestion is not to take out an online loan. Borrowing an online loan may be convenient for you, but it will not do any good for your credit report. Click once to apply for an online loan, and there will be a credit inquiry record. Click once to apply for a credit card, and there will be a credit inquiry record. If you have too many credit inquiries, you will be rejected instantly. I often see a customer’s personal credit report, and the number of final inquiries exceeds that. There are several online loan inquiries and credit card applications from several banks. If such a customer still wants to get a loan, the only option is to wait or wait first. Pay off the online loan. Many people will be clever and think that they can take advantage of loans that do not meet the credit requirements. Clients often ask, I want to do the kind of job that doesn’t go up in the credit report. Some salesmen from small loan companies take advantage of this mentality of their customers and tell them that our company's loans are not subject to credit reporting, so they can take the loan with confidence and they don't have to pay it back in the future. In fact, many of these loans basically have an interest rate of about one to two cents. Like online loans, although they are not subject to credit reporting, they can be used in big data, bank loan approval systems and financial company loan approval systems. It is connected to the Internet, and you can see how many online loans and small loans you have by checking the big data. If you have too many online loans and small loans, you will also be rejected by the bank. Because of this online small loan, there are many customers who have been rejected when applying for home loans. If you insist on saying that you will not apply for a housing loan or get a bank loan, well, rich people, please ignore it.
Is it easy to apply for a bank loan now? For example, if a customer has a financial need and urgently needs a cash flow to solve an urgent need, and then he goes to a bank for consultation, the bank will reply that it cannot do it. He went to a second bank and still couldn't get a reply. Then, he went to the third bank, and the bank said he could apply. He went back to prepare the materials, and then submitted them again. Three working days later, the bank responded that they needed to supplement the materials, and the customer came to supplement the materials again, and then three A working day passed with no movement. The customer was very anxious and came to the bank for consultation. The bank responded that there were many people in line and went back to wait for news. This is a current situation for most loan customers. If you want to make a loan such as a mortgage, it may take longer than this, and it usually takes about twenty working days. Why it takes so long is because a third-party evaluation is involved. In this link, a third-party company that cooperates with the bank will evaluate the value of your house to see how much it is worth. Then you will pay the evaluation fee, and the evaluation fee is charged on a per-point basis. The price is higher than that charged by ordinary appraisal companies on the market.
Why many people who often turn over loans like to find some channel intermediary companies to make loans is because it can save time and effort. Because there are so many loan products on the market, you, an ordinary person who is not engaged in this industry, have no idea what kind of loan you can apply for based on your situation, whether your application can be successful, and whether you can save time? You can solve the problem by spending some money, and you don't have to worry about it yourself and don't delay your own affairs. Why do channel intermediary companies exist? I think it is also the current situation of the industry. It is really not easy for ordinary people to get loans. Just like there are car bugs when reviewing cars, and there are house bugs when flipping houses. There are many things here. You are like an ordinary person. Ordinary people would not understand so much if they experienced it for the first time. Similarly, the service attitude and work ability of some staff are really unflattering. Many people will ignore them even if they ask a few questions, which has given birth to the development of an industry. It should be reminded that if you are looking for an intermediary to help you apply for a loan, you must pay attention to protecting your information, because after all, the quality of people in the industry varies.
One more thing, you need to know that regular bank loans are based on personal credit reports. If you have provided guarantee to others, your credit report will also show information about external guarantees. My personal suggestion is to try not to be a guarantee for others, because if there are too many millet seeds, the borrower will run away and let the guarantor pay back. The borrower jumped off the building and asked the guarantor to repay the loan. It is very embarrassing for office workers who are guarantors to receive their monthly salary, but before they even see it, part of it is deducted by the bank as repayment.
For example, there is a little guy who has been admitted as a civil servant or a business editor. Your direct leader needs a loan for some reason, and then you find this little guy and several other guys to package him up as a guaranteed loan. At this time, if you were this little guy, would you like to help your direct leader make a secured loan? This is a problem, I want to say, Gu Liang, if you are not stupid, don't get close to your leader on this kind of thing. If this leader seeks out so many people to make loans together, the loan amount will definitely not be small. The starting price is several million. If something goes wrong with him and he gets caught or runs away, you will definitely be responsible for the loan. Is this blame really so easy to carry? Your whole life is basically ruined, and it’s hard to find a partner. If you grit your teeth and say cruelly that I just won’t pay it back and it’s not me who borrowed it, well, you’re a gangster, and you’ll basically have no chance of getting regular loans in the future.
Okay, that’s all for today’s article. Finally, I would like to give you a piece of advice. You must apply for a loan to stock up on food when you are not short of money. Don’t do it when you can’t open the pot. time to apply for a loan. If you have any questions, you can send a private message and we will answer them after seeing them. We will talk about it next time.