It depends on the actual situation. Generally speaking, loan companies that do not recommend cooperation with banks are generally formal. Because banks need to audit cooperative institutions, if there are problems in institutions, banks will also bear risks, so they will strictly control them. If you want to get a loan, the cooperation between the loan company and the bank is to help you go through some imperfect procedures and finally get a bank loan.

Data comparison Different application conditions banks have different conditions for applying for real estate mortgage loans, such as credit status, personal income, work unit and repayment ability. Loan companies apply for real estate mortgage loans, mainly depending on whether the real estate value is high and whether it can be realized. Credit status is good or bad. Borrowers with liabilities can generally borrow from banks or loan companies, as long as they can provide qualified real estate mortgage. Compared with credit loans, the risk of mortgage loans is lower, because there is real estate as a guarantee for bank loans.

However, at present, the interest rates of mortgage products of various banks are different. The loan interest rate of the same bank will be different in different regions. At present, the bank's real estate mortgage interest rate is floating on the basis of the benchmark interest rate. In 20 17, the Bank's benchmark annual interest rate is 4.35% for less than one year (including one year), 4.75% for one year to five years (including five years) and 4.90% for more than five years. You can refer to it Compared with the approval speed, there are many procedures in the real estate mortgage bank, and the approval time will be longer. Get the loan in about 20 working days at the earliest. The loan company has simple procedures and quick approval. Generally, you can get the loan within 10 working days. Generally speaking, the amount of mortgage bank loan is related to the appraised value of the house, which can reach about 70% at the highest. Generally speaking, bank loans are not so easy to apply for, and unsuccessful applications will also affect credit records. In order to get lower financing costs and handle large bank loans conveniently and quickly, we usually go to professional institutions.

Is the loan from the loan company reliable? Lending companies should be cautious in lending.

Now the loan method is accepted by many people. In addition to bank loans, loan companies are also very popular in the market. Because of the high marketing cost of banks, it is difficult for small enterprises to apply for loans directly from banks, which often leads to small enterprises having to turn to financing institutions such as loan guarantee institutions for help when they have financing needs. So is the loan from the loan company reliable? Let's analyze it together.

Is the loan from the loan company reliable?

First, let's learn what a company is. The company is a company invested and established by natural persons, enterprise legal persons and other social organizations, which does not absorb public deposits and operates business. Because of its simple loan procedures, wide range of mortgage and pledge (even mortgage-free and guarantee-free) and strong flexibility, it quickly won the favor of individuals, small businesses and other customers who could not get loans from traditional banks.

In fact, regular companies are absolutely reliable. Formal companies are permitted by law, and the conditions for the establishment of non-bank financial institutions approved by the industrial and commercial departments are also very harsh. Therefore, there are still relatively few formal companies. However, many swindlers swindle under the banner of the company, causing losses to borrowers. To judge whether a company is real or not, we need to start with its business qualifications. Generally speaking, the company's process of providing loans is relatively standardized, and it is basically deceptive to ask for various fees before getting loans. Secondly, it depends on whether the loan company intends to compound interest, commonly known as "rolling interest". If so, be careful of the problem. Also, the company's interest rate is now clearly stipulated that it cannot exceed four times the current benchmark interest rate for bank loans. If it is exceeded, it may be untrue.

Matters needing attention in loan of loan company

1. The most important and omnipotent way is: never pay any fees before the loan arrives. Formal lending institutions only charge when lending money. Any company that collects money in various names before lending money must be cautious.

2. Go to the website of the industrial and commercial bureau where the loan company is located to check the operating conditions of the loan company to see if it has business qualifications;

3. See if the company has a fixed office and a fixed telephone, and beware of companies with only one mobile phone number.

Most of the companies that claim to be open 24 hours a day have problems. No formal loan company has such regulations on working hours. And the working hours are not regular, and the company can't be regular.

Even if it is an online company, there are still physical companies in reality. Don't trust those loan companies that only provide telephone and QQ, and sign contracts and other matters should be face to face.

6. The conditions are particularly relaxed, there is no mortgage, no guarantee, and no proof of salary and income. Just say you can lend it to you, and be very careful. After all, it is also a loan, and it needs to be guaranteed to be repaid. Those who say they can lend you money just by providing their ID numbers and copies must be liars. Charity can't do this!

Summary: Above, I explained the relevant knowledge about the loan reliability of loan companies. What we have noticed is that many people cheat people to invest under the guise, so when choosing a loan company to invest, we must pay attention to its reputation, strength and operating time.

Is the loan company reliable

The loan from the loan company is unreliable.

Loan companies are mostly small companies, with black loans and no corresponding qualifications. You'd better go to the bank for a loan. The detailed rules for the supervision of cash loans were issued on February 0, 2007+2065438+2007, which clarified the overall supervision and carried out the network cleaning and rectification work. The CBRC said it would curb the disorderly development of cash loans as soon as possible and ban unlicensed institutions.

The company supervision department suspends the establishment of new network (Internet) companies; Suspend the new batch of companies from conducting business across provinces (autonomous regions and municipalities). Suspend the network distribution without specific scenarios and purposes, gradually compress the stock business, and complete the rectification within a time limit. No organization or individual may engage in loan business without obtaining the qualification for loan business according to law.

Require borrowers to hold relevant lending business licenses, and severely crack down on unauthorized illegal lending businesses and institutions; All kinds of institutions shall strictly implement the interest rate provisions of the Supreme People's Government on private lending for the comprehensive capital cost charged to borrowers in the form of interest rates and various fees, and prohibit the issuance of loans that violate the relevant interest rate provisions.

At present, the cash loan products on the market are all high-yield products, and the average annualized interest rate is as high as 150%, which is obviously higher than the legal interest rate range of private lending in China. Therefore, many people ridiculed that cash loans are legal to the people.

Is the loan company reliable?

Formal loan companies are still relatively reliable.

The advantage of the loan company is that the loan speed is fast, and the loan information will not be included in the credit information system.

1, with fast lending speed.

The bank's audit process is strict and complicated, while the lending institution is the opposite, and its high efficiency undoubtedly improves the lending speed. So friends who are in urgent need of money can consider applying for loans from such institutions.

2. Lending information will not be included in the credit information system.

Although the credit information system is becoming more and more mature, it still needs to be improved. The reason is that all credit transactions between borrowers and lending institutions other than banks will not be recorded in the credit information system, and naturally they will not be reflected in the credit information report. This means that the borrower's debt and overdue behavior not only enjoy full "privacy", but also help the borrower to borrow from other institutions again.

Loan companies also have some shortcomings, such as high loan costs and many loan scams. Due to the low application threshold, small loan companies naturally bear relatively large loan risks. In the loan industry where risks are turned into profits, the interest charged will naturally be higher than that of banks. However, it is worth noting that the charging standards among small loan companies will also be different, and shopping around is still king for borrowers.

Is the loan from the loan company reliable?

Formal loan companies are more reliable. Formal loan companies must have relevant lending qualifications and licenses, and are non-bank financial institutions permitted by law and approved by the industrial and commercial departments. China defines a loan company as a banking non-deposit financial institution established in rural areas by domestic commercial banks or rural cooperative banks according to relevant laws and regulations and approved by China Banking Regulatory Commission, which provides loan services for county farmers, agriculture and rural economic development.

Microfinance

I. Review risks

The emergence of loan risk often begins at the stage of loan review. Comprehensive judicial practice shows that the risks in the loan review stage mainly appear in the following links.

(1) The loan examiner of the bank was omitted from the review content, resulting in credit risk. Loan review is a meticulous work, which requires investigators to systematically investigate and inspect the qualifications, qualifications, credit and property status of loan subjects.

(2) In practice, some commercial banks do not have due diligence, and loan examiners often only pay attention to the identification of documents, lacking due diligence, so it is difficult to identify fraud in loans and it is easy to cause credit risk.

(3) Many wrong judgments are due to the fact that banks did not listen to experts' opinions on relevant contents, or professionals made professional judgments. In the process of loan review, we should not only find out the facts, but also make professional judgments on relevant facts from legal and financial aspects. In practice, most loan review processes are not very strict and in place.

Second, the legal content of the pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it shall examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Examine whether there is a clear situation in registered capital flight; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment and other illegal conditions may affect the repayment.

(3) Regarding the borrower's loan situation, whether the borrower has opened basic account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (such as a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is a guarantee, the qualification, reputation and performance ability of the guarantor shall be investigated.