That's a little messy. 1. Guarantee companies provide guarantees for corporate loans and bank loan guarantee companies provide guarantees. can you make it a little sooner? In my opinion, it takes more time to go through one more procedure. It is legal for a guarantee company to provide guarantee for enterprise loans. 2. Guarantee companies directly lend funds to enterprises or individuals, and the interest rate is definitely legal within 4 times of the statutory interest rate. It is required that the total loan of the guarantee company shall not be greater than 20% of the registered capital (some provinces enlarge it to 40%). It is illegal to exceed the part. 3. If the speed is fast, direct lending is fast. Interest rates vary from place to place, but they are all high. Legal business is not worth it.
2. Are financial intermediaries such as secured loan companies legal?
That's a little messy.
1. Guarantee companies provide guarantees for corporate loans and bank loan guarantee companies provide guarantees. can you make it a little sooner? In my opinion, it takes more time to go through one more procedure. It is legal for a guarantee company to provide guarantee for enterprise loans.
2. Guarantee companies directly lend funds to enterprises or individuals, and the interest rate is definitely legal within 4 times of the statutory interest rate. It is required that the total loan of the guarantee company shall not be greater than 20% of the registered capital (some provinces enlarge it to 40%). It is illegal to exceed the part.
3. If the speed is fast, direct lending is fast. Interest rates vary from place to place, but they are all high. Legal business is not worth it.
3. Are financial intermediaries such as secured loan companies legal?
The difference between financial intermediary and company;
1. financial intermediary: generally speaking, loans are not allowed, and the income mainly comes from intermediary service fees.
2. Company: It has its own loan qualification, a complete approval process, and its income sources include handling fees and interest.
4. Is the loan intermediary legal?
Loan intermediaries are not illegal, and the law recognizes that market participants have the right to use their own funds to borrow and make profits. Legal basis: Article 40 of the Law of People's Republic of China (PRC) on the Promotion of Small and Medium-sized Enterprises. The State encourages all kinds of social intermediary agencies to provide information consultation, investment and financing, loan guarantee, legal consultation and other services for small and medium-sized enterprises. In addition, the agency fee charged is also legal. Because there will be some expenses in the process of loan, such as insurance premium, agency fee and entertainment fee. : correct loan channel 1. Prepare relevant materials and apply to the bank. Application materials generally include loan application, applicant's ID card, household registration book, marriage certificate, income certificate, property right certificate of collateral, good credit records of the applicant and guarantor, etc. After paying the relevant fees, the applicant can submit relevant materials to the bank or the law firm entrusted by the bank for inspection and sign a contract. 2. Banks do pre-loan approval. After the applicant applies for a loan from the bank, the bank needs to examine the customer. For eligible loan applicants, the bank will approve the loan. If it is unqualified, the bank will return the application materials of the loan applicant and make corresponding explanations. 3. Go through other legal procedures. In addition to the loan contract, the loan applicant also needs to go through some legal procedures. If you are a mortgage applicant, you need to go to the relevant departments for mortgage registration for future enquiries. 4. Bank loans. After the relevant formalities of the loan applicant are completed, the bank will approve the loan according to the borrower's evaluation or report it to the superior for approval. Then, the bank staff will inform the borrower of the loan amount, loan term, loan interest rate and other related details, and issue a loan instruction to transfer the loan to the customer account. Save loan approval time 1. Pay attention to maintaining personal qualifications. For housing loans, banks have strict requirements on borrowers' credit reporting and repayment ability. Therefore, borrowers should pay attention to maintaining personal credit information and maintain sufficient bank flow. In terms of credit investigation, not only should there be no overdue records in the current period and within a certain period, but there should also be no bad debts and too many inquiries. In addition, the credit record must also have a certain credit card or loan use record, which cannot be empty. In terms of bank liquidity, try to ensure that the monthly income is more than twice the total monthly housing loans and other current liabilities. 2. Avoid the tightening period of bank quota. Every year, banks will have one or two austerity periods, especially at the end of the year. In the period of austerity, the loans that banks can issue are very limited, so the approval of loans will be stricter and the approval speed of housing loans will slow down. Therefore, before applying for a housing loan, we must first understand the bank's loan policy and quota, and try to avoid the tightening period of the bank's quota. 3. Avoid long holidays such as National Day and Spring Festival when applying for housing loans, because banks generally have holidays on non-working days, and loan approval will be suspended. Applying for a mortgage before a small holiday will waste a week. Applying for a mortgage immediately after a small holiday will also lead to a lag in mortgage approval.