Why do people often call and ask: do they need a loan, interest rates and banks?

Why do people often call and ask: do they need a loan, interest rate and bank?

Those are so-called telemarketing companies that have no funds themselves, and they all take advantage of information asymmetry. , make phone calls to find customers who need financing, and charge introduction fees themselves when looking for funds. Funding sources generally include: banks, small loan companies, private lending companies, p2p companies, etc. People often call me and ask me if I need a loan. The interest rate is different from the bank.

It’s just an advertisement to promote loans

The interest rates cannot be the same as those of banks

The purpose of banks’ strict review of information is to reduce the risk of bad debts and reduce costs and losses

The interest rates for private loans will not be low, or why do they require guarantees? People always call me to ask if they need an unsecured loan from the bank

In this era, information leakage is too normal, so the question is, do you need an unsecured credit loan? Individuals call me and ask me Do you need a loan?

You can try to apply for a loan through China Merchants Bank. There is no upfront payment. If you are already a user of China Merchants Bank and have downloaded the China Merchants Bank Mobile Banking APP, you can try to log in to the mobile banking. I - All - Loans - I want to borrow money to try; or apply for a loan through a credit card; log in to Mobile Life, click "Card. Finance" below - "I want to borrow money". The specific results will be subject to the audit. Those who do not have a China Merchants Bank card (areas without China Merchants Bank) can try to apply for "E-No. Loan". They need to download the China Merchants Bank Mobile Life APP to operate and conduct online audits, and the loan can be issued in as fast as 5 minutes; or apply for an "E-flash loan" (without a China Merchants Bank card, but in the local (With China Merchants Bank), E-flash loans require staff to come to collect information, and application is slow. If you owe money to the bank, do you need to answer the bank's calls every day?

It doesn't matter who you owe money to, but don't owe money to the bank. If you don't answer the phone, the bank will use various methods to kill you

Someone called me and asked me if I needed stock trading software and consultation

The software is almost the same.

I personally think Flush is the best, it has great wisdom, self-selected stocks, and the price increases are easy and expensive. I have used Tongda Xin and found it convenient to use Oriental Wealth, and then the speed of selecting securities companies, New Era, Great Wisdom, Hengtai, these are all available. What should I do if it is one day overdue? Do I need to call the bank?

Don’t know which bank’s credit card you have? Most bank credit cards have deferred repayment services. Why do people call me and ask me if I need online store hosting?

Personally, I suggest you take care of it yourself, or ask an employee who is familiar with this aspect to take care of it, because many so-called hosting services are It is based on brushing orders. On the surface, the turnover has increased, but the actual income is not much more. Moreover, Alibaba is very strict about the management of brushing orders. If it is found out, it will have a great impact on the store. You still have It is better to use the fees paid for hosting to do corresponding paid promotions. Now that the monthly sales volume is 20,000 yuan, it means that your store has a certain amount of traffic. Doing some more promotions should have a great effect. Hosting should be considered carefully. Do it again, the later operation is not that easy, I hope it can help you. After the mortgage interest rate is reduced, do I need to apply to the bank?

In accordance with the provisions of the National Provident Fund Loan Management Measures. January 1st of each year is the time for adjustment of the provident fund loan interest rate. If the provident fund interest rate increases or decreases compared with the previous year, the mortgage interest rate will also be adjusted accordingly, and the monthly payment will be recalculated based on the principal and interest rate.

There is no need for the borrower to go to a bank or provident fund management center to apply, the system will automatically adjust. When I get a loan of 35,000 from a bank, do I need to use anything as collateral?

China Merchants Bank has launched a flash loan business. Currently, you can only apply through mobile banking or check whether you are eligible to apply.

If you hold a China Merchants Bank savings card, you can log in to mobile banking and go to "My → All → My Loans → My Flash Loan" to enter the application page.

The maximum loan amount is 300,000 yuan, and the minimum is 1,000 yuan; your specific limit will be assessed based on your business situation in China Merchants Bank, and you can review it after successful application.