Originally, online lending was usury. After the deadline, send a text message pretending to be a court to scare people. The netizen vomited and was cheated. Some people still need online loans and borrow from banks through proper channels.
Extended information:
First of all, there are many kinds of personal loans. There are mortgage loans and unsecured credit loans according to whether there is collateral or not. The following is a simple analysis and explanation of these two loans:
1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by banks to individual customers simply based on the nature of the company, which is used to offset wages and social security funds. There will also be the concept of consumer loans. Of course, there is no direct difference between these two concepts.
2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 654.38+0 million. Operating loan refers to the loan issued for the company's operation by using individual housing. As the name implies, companies are required to be established in the name of individuals or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage loans can be divided into one to one and two to two according to whether there is mortgage or not, which means there is a kind of mortgage called two to one. Let's see how to operate a mortgage:
Appraisal, according to the house book, is evaluated by the appraisal institution, and the amount, interest rate and term of the loan can be roughly calculated. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, you can start to operate the company, such as changing shareholders or legal persons, or registering a new company. Of course it depends on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Loan, the loan is completed.