1, unreliable, don't try it easily. Better find a reliable platform. The simple and popular understanding of loan is to borrow money with interest.
2. 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.
Personal experience sharing
With the tightening of credit policy, the dominant position of mortgage is no longer, and small and medium-sized banks have begun to change their business direction. Personal consumption loans, personal business loans and personal loans have become the focus of their work this year. Even the big banks that used to look down on individuals have begun to stir in this field. The banks that individuals do better are mostly joint-stock banks and foreign banks, such as Ping An, Ningbo, Xingye, Citigroup and Standard Chartered. There are also some other financing platforms. After several years of publicity, large and medium-sized cities have a certain understanding of this new type of loan. But in general, some high thresholds and high interest rates limit personal development.
If you want to buy a car, travel, decorate, etc., you don't want to borrow it from friends, relatives or even parents. Then, the individual is your best choice. Doing today's work with tomorrow's money is the best interpretation for the individual.
But how and where to deal with it. With my years of experience, no matter what kind of loan I apply for, I have to go to the bank in person. Before, I could know the specific information about the loan I need by phone or online, such as what conditions an individual needs to apply for and what information to provide after meeting the conditions. Where to go when the materials are ready, who will receive you and what information to fill in. How long will it take to know the result of the loan application after application? These are all things you need to know.
Many of us often don't pay special attention to protecting our private information, and give copies of ID cards, real estate licenses, academic certificates and so on to others at will. It's okay to meet people in charge, but in case you meet people with ulterior motives, they will often do something illegal through your information. According to my former colleagues in the bank, people in a bank's credit center stole customer information and forged credit cards to cash out, which caused huge losses. Therefore, no matter what kind of loan you apply for, you must take good care of your information.
Personal interests are often mentioned by customers. My habit is that every time I meet a customer who needs a loan, I will first ask their situation and judge whether their conditions are suitable for a loan. Then I will give them a choice, usually mortgage and mortgage, and give them the most suitable loan scheme. Here, I will tell them the expected annualized interest rate. Let them weigh the gains and losses, choose or not.
The expected annualized interest rate of unsecured individuals is definitely higher than that of mortgage loans, which is a completely different concept of loans. One is the need for collateral, and the other is based on one's own credit, and no collateral is needed. Once there is a risk of bad debts in mortgage loans, banks can repay loans with collateral. But once individuals have bad debts, banks can only bear the risks themselves. So many people don't understand why unsecured interest is so high. In fact, it is because high interest rates are based on high risks.
Experience sharing of CCB's small and micro fast loans! This is a quick way to increase the amount!
Now all major banks have loan products specially designed for small and micro enterprises, including China Construction Bank. Small and micro fast loans of China Construction Bank are specifically aimed at small and micro enterprises. However, the initial credit line of CCB's small and micro fast loans is often not very high, which may not meet all the loan needs of everyone. Here, I would like to share with you the experience of CCB's small and micro fast loans, hoping to help you increase the credit line as soon as possible.
According to the past experience, the more effective ways to increase the quota are: opening a running account, keeping a good loan record, increasing the financial assets of CCB and replenishing collateral.
1. Open a current account.
If you want to increase the small and micro fast loan quota of CCB, then you should open an ordinary fund running account in CCB. As long as everyone can ensure the steady growth of CCB's capital flow account, it is not difficult to increase the quota.
2. Keep a good loan record.
After obtaining the credit of small and micro fast loans from CCB, everyone can start lending from a limited credit line and gradually accumulate loan records. As long as everyone's loan demand is stable and the repayment record is good, CCB's small and micro fast loan quota will further increase.
3. Increase the financial assets of CCB.
When determining the credit line, the borrower's financial assets in CCB will be considered. Therefore, everyone should deposit the idle funds not used by enterprises into the Construction Bank.
Step 4 replenish collateral
According to the previous operation, if the borrower can provide CCB with more valuable collateral, the withdrawal speed will be significantly faster.
The above is the experience of CCB's small and micro fast loan, and I hope it will be useful to you.