1. Formal loan companies do not charge fees before handling loans.

In a formal loan company, the borrower will not be charged any fees before lending. Therefore, if the borrower encounters pre-loan charges online or when the company handles loans, you can immediately identify it as an irregular fraud company.

2. Formal loan companies are closely integrated online and offline.

Ordinary loans are often difficult to complete transactions directly online, and loan companies need to judge whether they can lend or make corresponding loan scheme suggestions according to the actual situation of borrowers. Therefore, formal loan companies often take the network as an open product display platform and offline service as the actual carrier, and choose face-to-face signing when signing contracts. Because regular loan companies have business licenses and office space. If you meet a company that asks to sign a loan contract by fax or without meeting, you should be vigilant to prevent being cheated. There is no business license, no company name, no formal business premises, and no formal contract text. Generally, they only have one mobile phone or website.

3. The loan process of formal loan companies will not shrink.

The process of handling loans in formal loan companies is relatively complicated, and borrowers need to provide various materials. If the mortgage involves physical objects, such as house mortgage or car mortgage, the physical objects will be evaluated and inspected. On the contrary, companies often attract customers to apply for loans with extremely low loan threshold, almost no interest and fabulous lending speed. After trapping the customer, unconsciously let the customer pay the bill. At the same time, if the loan requirements are particularly low, will those institutions that generally claim that "loans can be made only by ID cards" lend without "judging whether you have the ability to repay in full and on time"? Be careful when you meet this kind of organization, it is likely to be a fraud company.

What is a company?

A company is a limited liability company or a joint stock limited company invested and established by natural persons, enterprise legal persons and other social organizations, which does not absorb public deposits and operate businesses. Compared with banks, the company is more convenient and quick, suitable for the capital needs of small and medium-sized enterprises and individual industrial and commercial households; Compared with private lending, it is more standardized and the loan interest can be negotiated by both parties. \ The company is an enterprise legal person, with independent legal person property and legal person property rights, and shall bear civil liability for its debts with all its property. Shareholders of a company shall enjoy the right to return on assets, participate in major decisions and choose managers according to law, and shall be liable to the company to the extent of their subscribed capital contribution or subscribed shares. \ The company shall abide by national laws and administrative regulations, implement national financial policies, implement financial standards and accounting systems for financial enterprises, and accept the supervision and management of governments at all levels and relevant departments according to law. \ The company implements the national financial policies, conducts business within the scope prescribed by laws and regulations, operates independently, assumes responsibility for its own profits and losses, and undertakes its own risks by self-discipline. Its legitimate business activities are protected by law and are not interfered by any unit or individual.

What kind of company is the bank outsourcing loan company?

Bank outsourcing loan company is a kind of financial company specializing in loan business, usually entrusted by banks or other enterprises to manage and operate loan-related business. These companies usually have professional credit evaluation and risk control systems to ensure the safety and reliability of loans.

The main business of these companies is to provide all kinds of loans to individuals and enterprises, such as housing loans, vehicle loans, consumer loans, education loans and so on. They usually charge a certain fee and interest in return for the loan.

Because bank outsourcing loan companies can be more flexible in loan approval and management, and in some cases they are more competitive than traditional banks. However, investors need to know the background and reputation of these companies to ensure that the funds are invested in reliable lending institutions.

What do credit companies do?

Credit companies mainly provide loan services to individuals or enterprises. The types of loans mainly include mortgage loans and credit loans. Users should abide by the relevant regulations when handling loans, submit proof of identity, income and address when handling loans, and ensure good personal credit information when handling loans. If the personal credit is not good, the loan will also be rejected.

Users should know the loan interest rate in advance when applying for a loan, so that they can know how much interest to pay after the loan, and then decide whether to apply for a loan according to their repayment ability. Usually, it takes more interest to apply for a loan in a credit company, while it takes less time to apply for a loan.

There are generally two repayment methods when handling loans, namely, equal principal and interest and average capital. On the premise of the same loan amount and interest rate, the total interest returned by the average capital is lower than the matching principal and interest. The average capital requires the borrower's repayment ability to be higher, but it can be repaid in advance after handling the loan.

Users should repay on time, and there should be no overdue repayment, because overdue repayment will generate penalty interest, and the longer it is delayed, the more penalty interest will be generated. Moreover, after overdue repayment, the credit company will call for payment, which will affect the normal life of individuals. If it is a mortgage loan, the collateral may be auctioned.

Let's talk about what kind of introduction the loan company is.