Is the agency loan company reliable, Zhihu?

Is online agency loan credible? What should I pay attention to in online lending?

From the appearance of online lending to the present, the online lending market in China has been mixed. If there is a demand for websites, people simply don't know which one to choose. In addition, many online loan products have been exposed to the problem of cheating money, so this has led to people's doubts. Recently, many netizens left me messages saying that there are online agency loans. Are you excited after hearing this? Next, let's take a look at online agency loans. Is it credible? What should I pay attention to in online lending?

Is online agency loan credible?

Most of the information published online that you can borrow money or apply for a credit card as long as you have an ID card is a low-level scam. Don't trust the company whether it is registered or not. The swindler will trick you into signing the fax contract and pressing your fingerprint, and then trick you into paying the first month's interest, performance fee, deposit, insurance premium, guarantee fee, loan fee, notarization fee, credit fee, mortgage fee, card opening fee and so on step by step. In the name of insufficient running water in your bank, checking repayment ability or capital verification, you are required to transfer all the funds in your account to the liar's account, or even ask you to apply for a bank card at a designated bank, and then bind the liar's mobile phone number and other low-level means. If you don't pay the fees as required by the swindler, the swindler will threaten you to breach the contract in the name of signing a contract with them, and threaten you to pay huge liquidated damages. This is really a low-level means and typical!

What should I pay attention to in online lending?

1. The business license name of a regular loan company must contain the word "loan", which can be verified by logging in to the credit information publicity system of enterprises in this province. Secondly, formal loan companies "only lend but not save". Finally, you can check the registered capital of the enterprise. If the amount is too small, less than1million, be careful. It's rather suspicious to only fill in the telephone number column without writing a fixed number.

Generally speaking, no matter how well the advertisement is done, you can only borrow money with your ID card. In fact, in the process of actual lending, your personal income and credit situation will also be examined. If you don't need to see anything, you can basically conclude that it is not very reliable.

3. Regular loan companies don't have to pay any fees when they borrow money, but only when they lend money. Don't believe those small companies that ask you to repay in advance under various excuses such as "deposit", handling fee and deposit when applying for loans.

Through the introduction of these contents, we can understand that online agency loans are incredible and are likely to cause us heavy losses. Because we need to know that no matter what kind of loans need real-name authentication, but now we also need face recognition. If all these can be met, we can give a quota. So don't trust all kinds of online agency loans easily. I hope these contents can help you.

Is the agency loan reliable?

The Mo Long platform for agency loans is very reliable. The platform is aimed at people over the age of 25-55 who need large loans. The enterprise tax bill loan can be 5 million in 30 minutes.

How to judge whether the bank's loan business is reliable;

If you choose a commercial loan, you should first look at which bank has the preferential interest rate, the maximum loan amount and repayment period of the bank, and then see if you have the loan conditions of the bank, but you need to meet all the requirements stipulated by the loan bank. If you choose provident fund loans, you can't choose your own banks, because all banks are designated and the interest rates of provident fund loans are basically the same. As for the amount of provident fund, it depends on the proportion of lenders paying provident fund, the payment period and so on. If the deposit amount is high, the maximum loan can be 500 thousand. Different loans, loan conditions are different, and the loan interest rate and term are also different. We can't simply think which bank's mortgage is cost-effective, or which bank's mortgage is good.

For more information about the loan, please consult Moore Long. Sichuan Easy Loan Network Financial Information Service Co., Ltd. (brand name "Molong"), the "Wal-Mart" in the loan service industry, is committed to providing individuals and small and micro enterprises with safer, more efficient and lower-cost financial services with advanced Internet technology and innovative financial applications. Mo Long's loan products are all from partners, including traditional banks, emerging consumer finance companies and microfinance companies.

Is it reliable to apply for a portfolio loan outside?

The reliability of external agent portfolio loans depends largely on the reliability of lending institutions. If the lending institution has a sound risk control plan and strict examination and approval procedures to ensure the safety of the lender's funds, then this combination loan is reliable; If the lending institution is only a private company and there is no regulatory agency or legal protection, then the security of portfolio loans cannot be guaranteed.