And credit is reliable. However, it is a private institution after all. Under normal circumstances, it is recommended that you go through formal channels. The responsible person may not be able to repay in time due to higher interest rates, which will cause a series of problems. It is recommended that you pay attention to whether the platform provides mortgage guarantees. , whether the platform has advance payment of principal and interest, whether the platform can pay compensation funds and other related information.

Loan specific process:

1. Apply for a loan. Customers should learn about the bank's credit products in advance and see if any are suitable for them. After understanding clearly, they can call the bank's customer service for consultation or on-site consultation. Go to the bank to fill out a loan application form, and bring along relevant documents such as ID card, household register, residence permit, work permit, marriage certificate, etc.

2. Pre-loan investigation. The bank is qualified to conduct a preliminary review of the personal information of the loan applicant. If the applicant meets the conditions, he or she will proceed to the next step of the loan process.

3. Loan approval. The approver determines whether the loan will be approved based on the loan applicant's repayment ability, personal credit record, guaranteed mortgage, etc.

4. Mortgage registration. If a loan applicant chooses a mortgage loan, he or she needs to go through relevant registration procedures after being approved.

5. Grant loans. Loans can be issued to those who meet the bank loan conditions and have completed all procedures legally.

1. Hexin third-party collection has now become a default unspoken rule and is reasonable. From the perspective of relevant laws, it is against the law for card issuers or institutions to entrust a third party to collect credit card debts. However, in actual operation, many banks in China entrust third parties to collect debts. Entrusting a third party for collection has long become a "legal" act of safeguarding rights in real life. However, when performing this act, the card issuer or institution must notify the debtor and cannot directly bypass the debtor.

2. According to relevant legal provisions, banks can only collect payments from cardholders and are not allowed to use violence, insults and other means to collect payments. If you are a cardholder, you should realize that repaying debt is what you should do. Because you use a credit card to make purchases, you must bear relevant responsibilities. In addition, if the debtor has credit card debt, he can also have a reasonable and equal dialogue with the card issuer or institution. And only phone collection and letter collection by the bank's collection department are legal collection methods. Other third-party collection is unlawful and may be declined.