Did Chengdu Jingnuo Group apply for a loan? Not reliable. How about interest?

As a veteran of the financial industry, I know something about Jingnuo. Explain the answers upstairs.

1. Bringing the original is not a company requirement, but a bank requirement. Jingnuo, this type of company, belongs to the loan intermediary service company, and its purpose is to help lenders apply for loans. As for what documents and materials are needed, these are the requirements of the bank.

2. Write a high point about the loan amount. There are three reasons. First of all, the bank fine may not give you that much, but it will be deducted. For example, if you apply for 654.38 million yuan, the bank will only release 50,000 yuan after evaluating your situation. Second, it is really related to the performance of the salesman; Third, almost the whole industry will do this. On the one hand, it will ensure that customers can borrow enough funds, and at the same time, it will increase the performance of sales staff. As for the penalty deduction for not wanting to borrow money halfway, it depends on the contract you signed, and you can raise it when signing the contract.

3. Regarding the charges, the handling fee of 300,000 yuan loan 1.35 million yuan is not high, which is normal. You can look at other companies and cash loans, and the handling fee is higher. There are three charging modes in the industry: one is to collect spreads, which are included in loan interest, and it is best not to lend; The other is to charge a service fee according to the loan amount, which can be selected; The other is to deduct money directly from the loan amount.

Regarding the loan management fee, it depends on the company's regulations and cannot be said to be reasonable or unreasonable. As for early repayment, there will be charges, and banks are all like this.

I am not familiar with the loan demand, which varies from person to person and cannot be generalized.

5. It is worth learning, and the communication in the early stage is clear.

On the last point, if your credit information is good, you can apply for a loan directly from the bank.

7. The most important factor of loan is your own credit information. People with excellent credit information can naturally borrow higher funds at a lower cost, and only those with average or poor credit information will pay higher costs. The significance of loan intermediary lies in helping people with bad credit information to apply for loans.

8. To sum up, the statement that Jingnuo is a "liar, shit, a lot of routines" is naturally untenable.