They say that loans are the last straw of many poor people, and that all but the banks are weeds, which is a misunderstanding。

Seven big misunderstandings about the loan

Question number one. Only people who can't find a way to make a loan

According to the results of the lending data of the major lending institutions, the number of people in need is not small, but larger。

Loans from the poor are for emergencies and from the rich for money。

Misunderstanding number two, all but the banks are loan sharks

In the past, the relatively restricted information, combined with the relatively small number of financial institutions, made loans relatively expensive。

However, as the country ' s financial markets continue to improve, and as financial facilities and policies mature and comply, there is full competition in the financial markets, and the emergence of various financial institutions, in particular the dynamic development of Internet finance, has greatly increased the choice of borrowers and reduced the interest on loans, which have now been considerably reduced compared to previous years。

Misunderstanding number three

Business loans differ from loans made by relatives and friends. Can we borrow money between relatives and friends in a circle of mutual knowledge and trust? I'm sure I can count on it。

In the case of a loan institution, a loan between a stranger is a proof that the person has the relevant strength and credit, so the relevant documentation is essential。

There's a misunderstanding

Houses and cars are just a loan clearance plus item, but not necessary。

Nor should people with no car or room feel like they don't want to make loans when they need money. Apart from the fixed assets, such as houses, cars, personal credit, repayment capacity, source of repayment, active cooperation, etc., can also have a significant impact on the outcome of loans。

It's a misunderstanding

You think a loan like this is 100% successful

The fact is that banks value your credit more than their income. Even with high incomes, credit cards were often overdue and loans were rejected as expected。

Misunderstanding number six. The loan agency was violent

Commercial loans are contractual loans between institutions and applicants, the borrower is required to comply with the spirit of the contract, the borrower ' s failure to pay on time results in overdue payments, which, for himself, may result in a penalty, on the one hand, by increasing the borrower ' s repayment burden and, on the other hand, by creating a bad credit record, thereby affecting the individual ' s subsequent loan application and other matters

In the case of credit institutions, the call is intended to alert borrowers to repayment, usually for a period of three to six months, and if the call fails, the credit institution will consider a legal solution rather than a violent solution。

There's been a misunderstanding

If you have a loan to pay in advance, then I can tell you clearly that it's the work of a black broker. Don't touch it。

There is no advance charge within the formal institution's lending process, as the person in need does not receive any funds through you and it is impossible to pay the fees in advance. If that were to happen, care must be taken。

It doesn't matter if I'm late

The system was previously not open and only banks were able to access the People ' s Bank ' s system, but in recent years, as the system has been improved and more and more financial institutions have been incorporated into the Bank ' s system, many of the lending clients are now connected to the People ' s System, and the industry has its own system of intelligence and information-sharing, all of which is available within the industry once it has expired。

Internet blacklists refer to web-based overdrafting data platforms for the collection of overdue data on Internet loans, as distinct from blacklists, where largely unlettered loans are recorded。

A network loan is overdue, your cooperation third-party letter platform will leave a stain on you, and you will be denied all the chances of following up on other network loans。