Are the loans guaranteed by financial companies reliable?

Is the guarantee company loan reliable?

Formal guarantee companies are more reliable. But pay attention to the following matters:

1. Don't let others inquire about your credit information too much;

2. Any loan is generated without any cost in the early stage of successful loan re-charging;

3. The loan requires me to sign a loan contract in person. Don't trust those online who don't need my presence;

4. Don't trust other people's information about what funds to activate before lending;

5. Read the loan agreement and contract clearly.

When an individual or enterprise borrows money from a bank, in order to reduce the risk, the bank does not lend money directly to the individual, but requires the borrower to find a third party (guarantee company or qualified individual) to guarantee.

According to the requirements of the bank, the guarantee company will require the borrower to issue relevant qualification certificates for review, and then submit the audited materials to the bank, which will lend money after review, and the guarantee company will charge corresponding service fees.

Due to the high marketing cost of banks, it is difficult for small enterprises to apply for loans directly from banks, which leads to small enterprises having to seek help from financing institutions such as guarantee institutions when they have financing needs. The cost of selecting customers for guarantee institutions is relatively low, so selecting high-quality projects to recommend to cooperative banks will improve the success rate of financing and reduce the marketing cost of banks.

In addition, in terms of risk control of loans, banks are also reluctant to put them on the Internet. An important reason is that the management cost of such loans is high, but the benefits are not obvious. For this kind of loan, the guarantee institution can optimize the management process of the loan, form personalized service of post-loan management, share the management cost of the bank, and avoid the worries of the bank.

Secondly, after the risk is released, the advantages of guarantee institutions are irreplaceable. The project of bank direct loan is risky, and the disposal of collateral often takes a long time, with high litigation cost and poor liquidity.

The cash compensation of guarantee institutions has greatly solved the problems that banks are difficult to deal with. Some guarantee institutions can compensate after loans overdue 1 month (or even three days of investment guarantee), and the bank's non-performing loans will be eliminated in time, and then the guarantee institutions can resolve the risks through their more flexible handling methods than banks.

The guarantee company has a quick time limit. As a bank, its inherent loan model process causes a lot of time waste for SME owners; The guarantee company just embodies the flexible mode of designing special financing schemes for different enterprises, which greatly saves the time and energy of business owners and can meet their urgent need for funds.

Furthermore, the credit line granted by the guarantee company on the basis of mortgage greatly exceeds the value of the mortgaged assets. Provide more demand funds for SMEs.

Is it reliable to find a loan from a guarantee company? This analysis will be much less likely to be pitted!

Many people want to borrow money, but their personal qualifications are not good, so it is difficult to borrow money on their own. They often need to find a third party to guarantee the loan, such as a guarantee company, because the guarantor also needs to bear the repayment responsibility, and the overdue risk is reduced. Is it reliable to borrow money from a guarantee company? How to tell whether the guarantee company is formal?

Is it reliable to find a loan from a guarantee company?

Whether the loan to the guarantee company is reliable depends mainly on whether the guarantee company is formal, and the formal guarantee company has good loan security. Here are some identification methods for guarantee companies:

1, depending on the operation process of the guarantee company.

Formal guarantee companies will strictly abide by national laws and regulations, will not engage in illegal business for short-term interests, and will formulate strict legal texts to clearly define the rights and obligations of creditors, debtors and guarantors, and fully protect the interests of all parties.

2. Look at the operating conditions of the guarantee company.

You can learn more about the assets of the guarantee company, see its operating years, the number of customers, and whether there are overdue days. If the guarantee company doesn't have a specific office address and can't provide a business license, you can't find any information on various authoritative platforms. It's basically not very reliable.

3. Look at the guarantee fee

Formal guarantee companies will not charge borrowers any fees when lending money, and there is no so-called handling fee and material fee. If the guarantee company requires the borrower to pay the deposit, handling fee and other payments in advance before signing any legal contract, it is unlikely.

Is it reliable to borrow money from a guarantee company? Finding a loan from a regular guarantee company with a foundation is less likely to be cheated. Borrowers should analyze the situation of the guarantee company in multiple dimensions, and don't lower their vigilance as soon as they hear that "the threshold is low and the loan is fast".

Is it reliable to find a guarantee company for a loan?

It is safe to find a formal guarantee company for mortgage loans. It should also be noted that in mortgage loans, the rights and obligations of both parties should be clearly defined in the contract, and the guarantee method, scope and duration of the guarantor should be determined. Generally, the security of the loan can be guaranteed after doing enough duty of care.

legal ground

Article 686 of the Civil Code of People's Republic of China (PRC) includes general guarantee and joint liability guarantee. If the parties have not agreed on the way of guarantee or the agreement is unclear in the guarantee contract, they shall bear the guarantee liability according to the general guarantee. Article 688 Where the parties stipulate in the suretyship contract that the surety and the debtor shall be jointly and severally liable for the debts, it is a suretyship of joint liability. When the debtor of joint and several liability guarantee fails to perform the due debt or the circumstances agreed by the parties occur, the creditor may require the debtor to perform the debt, or may require the guarantor to assume the guarantee liability within the scope of its guarantee.

Is the loan guaranteed by the guarantee company credible?

1. The loan guaranteed by the guarantee company is credible. Rn2。 A legally established guarantee company can provide guarantee for financing loans, and when the borrower fails to repay the loan at maturity, it shall bear the guarantee responsibility of paying the loan principal and interest to the lender. It can be seen that the loan guaranteed by the guarantee company is more secure to recover the principal and interest. Rn "Interim Measures for the Administration of Financing Guarantee Companies" rn Article 2 The financing guarantee mentioned in these Measures refers to the act that the guarantor agrees with creditors such as banking financial institutions that the guarantor shall bear the guarantee liability stipulated in the contract according to law when the guarantor fails to perform the financing debts owed to the creditors.