At present, the safest loan platform is the bank. Relatively speaking, the safety factor of bank loans is relatively high, and there will be no usury, so you can rest assured that you can borrow. However, some companies belong to consumer finance companies or small loan companies invested by banks, and the interest of such companies may be higher, but they are basically not usury. When you have a loan demand, you need to judge whether the other party is a bank institution loan at the first time. If you choose bank loans, you can give priority to real estate mortgage loans, followed by consumer credit loans. The specific loan sequence needs to be comprehensively planned by professionals according to their actual needs.

Information supplement:

How to find a reliable loan platform?

(1) The evidence is available.

You can search according to the industrial and commercial bureau, and use the full name of the company to find out whether the enterprise is filed with the industrial and commercial bureau. If you can't find out the relevant information, it means that the loan company is unreliable.

(2) Fees and procedures

Reliable loan companies all have loan interest and must submit relevant materials. If the loan company applies for claim settlement with low loan interest, low threshold and simple materials, then ten times * * is a fraud company; If the loan company you apply for has a high loan interest (for example, the monthly interest rate exceeds 3%), then this unit is most likely a usurer.

(3) Look at the office space

Reliable loan companies generally have fixed offices. If the loan company they apply for has a fixed office, or the lender is not allowed to go to the office to negotiate, and they only apply according to other contact methods, then they must be careful (except of course reliable online lending institutions).

(4) Pay first _ Yes, pay first

Reliable loan companies basically repay loans first, and the loan interest generated is deducted from the monthly repayment. Even if some enterprises charge a certain service fee, they will sign a formal agreement. If the loan company only charges various fees according to the verbal agreement, it is necessary to be careful.

(5) Staff quality

Reliable loan unit staff are professionally trained, and their professional knowledge and professionalism are reliable. When the loan handlers you contact are of average quality and unprofessional, you will hesitate to ask for professional knowledge, and you may encounter unreliable units or children.

(6) Baidu search query

If the loan company you apply for is unsafe, many people may pop up online. You can also search the name, mobile phone number, micro signal and qq number of the loan company according to the information content of Baidu website, check the relevant information records and see what others say.

(7) Shop around for loans.

Be sure to consult the loan company before lending, and understand the real loan details according to the comparison. If, under the same conditions, most loan companies have similar loan interest and handling procedures, it is normal. If a 1 loan company is very different from most loan companies, you should pay special attention.