Loan agency platform

How to represent the personal consumption loan business of Jiangsu Bank?

1. Customer submits application. The client submits a written application for entrusted loan to the bank, and submits the entrusted loan business power of attorney and other related materials.

2. Banks are audited. Banks accept application materials, review the completeness and authenticity of the materials, and conduct necessary internal audits such as loan application investigation and approval.

3. Sign an agency agreement. After the entrustment application passes the internal audit of the bank, the bank will inform the customer to sign the entrustment agreement with the bank.

Bank of China Shanghai personal overseas loan credit witness fee standard?

Standard of credit witness fee for overseas loans of China Bank Shanghai Branch:

1. The maximum service fee for personal overseas loan credit witness business is 5000 yuan/transaction. In order to ensure that customers voluntarily entrust our bank to handle this business and pay related fees, they should obtain the written consent of customers before providing services and charges.

2. If the customer applies to cancel this service after paying the service fee for personal overseas loan credit witness business, or if this service fails for some reason and the agency has provided the service, the paid fee will not be refunded. If the credit witness service has not been completed, the institution may, at its discretion, refund part/all of the fees charged to customers.

Note: Fees charged by external institutions in the course of business handling (such as mailing fees for materials) should be calculated and charged separately.

The above contents are for your reference. Please refer to the actual business regulations.

What about Lu Jintong's loan agent?

Lu Jintong is a good loan agent. Lu Jintong is a formal platform and belongs to Ping An Group, but other banks also hold relevant shares. Lujintong platform provides licensed institutional loan products, aiming at providing entrepreneurial services to loan brokers with borrowing customer resources in an innovative and cooperative way through the Internet. The original intention of Lu Jintong to set up the broker platform is to improve the matching efficiency of brokers, financial institutions and loan customers and make the loan business simple and transparent.

How to entrust others to handle loans?

Usually, applicants need to attend the loan financing business in person, but some applicants can't do it in person for various reasons and want to entrust others to do it. I would like to remind you that it is best to apply for a loan and handle the loan business in person. If you really don't have time or have special reasons, you can also entrust it. Just go there in person when you finally sign it.

Under normal circumstances, if the loan can be successful, the borrower only needs to go to the lending institution twice. The first time is to submit application materials and apply for a loan. If the loan can be approved, the second time is for the borrower to sign a loan contract with the lending institution and wait for the loan. Because the borrower needs to sign in person during the handling process, the borrower needs to be present in person.

Many borrowers often don't quite understand why the signature can't be signed by others. In fact, the reason is very simple because both the loan contract and the loan application form are legally binding, so once they take effect, the borrower must fulfill the repayment obligation, and the borrower will also bear the corresponding responsibility if it fails to repay the loan when it expires.

If you want to entrust others to help with the loan business, there are actually two situations: the first is to entrust a professional loan intermediary to help; The second is to entrust individuals to help with loans. However, in both cases, they can only play an auxiliary role, and the final signature must be signed by the applicant himself.

If you entrust a professional loan intermediary, you should first find a formal loan intermediary. Although the advertisements of loan intermediaries are flying all over the sky now, most of them are informal small intermediaries, and the service quality and safety are not guaranteed. Only formal loan intermediaries have corresponding protection. Secondly, it should be handled in accordance with standardized procedures, and never resort to fraud for the sake of loans. In order to take shortcuts instead of normal procedures, it is easy to leave hidden dangers and loopholes, from economic losses to legal proceedings. After entrusting an intermediary, you must sign a formal contract and communicate in time to ensure the smooth handling process.

If it is entrusted to a private person, it may be necessary to issue a legally binding power of attorney, and others will handle the relevant loan procedures on behalf of the applicant. Without this power of attorney, others can't handle things for the applicant. In this case, the best person to entrust must be someone who is familiar with loan-related knowledge and honest and trustworthy. Otherwise, if the other party deliberately sets a trap, it is easy to cause money loss.

Is it reliable to borrow money through financial institutions?

Loans through financial institutions are not very reliable, and financial institutions charge high fees, which is easy to disclose personal information and has a bad influence on borrowers.

With the development of society, people need more and more money, so many people will go to the bank for loans in order to spend in advance, but they don't understand the loan process and want to choose financial institutions to help them with loans. However, the financial agency companies in the market are mixed, many of them do not have professional knowledge and qualifications, and the agency fees are quite expensive, which is very unfavorable to borrowers.

First, financial institutions have to charge agency fees, and the cost of loans will be higher.

Many people go to banks or other financial institutions for loans, and they will be in a hurry if they don't understand the process and the information they need to prepare. Loans from financial intermediary companies can help clarify ideas, but financial intermediaries will not be busy in vain and will charge high intermediary fees. Loans through financial agencies will cost a lot. Many people borrow money to ease the financial pressure, but the financial burden will be aggravated by lending through financial agencies.

Second, there are many swindlers in financial agency companies, and personal information is at risk of disclosure.

Many financial institutions are fraudulent companies. They will charge the lender in advance and pretend to help the lender with the loan. In fact, they did nothing but rearrange the information of lenders and then go to various financial institutions for loans. Lender's information is likely to flow into other lending companies in the process of financial institutions helping to sort it out, causing unnecessary trouble and influence to borrowers.

Third, it is best to find a formal institution to avoid wasting time and money.

Individuals who want to alleviate the financial pressure can go to formal financial institutions for loans and apply for loans in formal financial institutions. Not only is the interest low, but personal information security can also be guaranteed, so you don't have to go to financial institutions to waste time and money. I can't complete the loan in a formal financial institution, and I can't get approval through other channels.

Loans through financial institutions will increase the financial pressure. If you have other views on this, please leave a message for discussion.

What is the process of BOC Shanghai acting as an agent for personal overseas loan credit witness?

China Bank Shanghai Branch's witness handling process for personal overseas loan:

1. The customer needs to fill in the Application Form for Personal Overseas Loan Credit Witness Service and sign for authorization. After verifying the authenticity, validity and accuracy of the content, the bank will fax/scan it to the other institution for signature and confirmation, and then return it.

Note: Some overseas institutions require that the credit witness procedures be handled by customers themselves, and it is not allowed to entrust others to handle them.

2. If the notification materials of overseas institutions have passed/do not need to pass the preliminary examination, if it is necessary to send a paper copy, the domestic institution shall notify the customer to mail the witness materials to the overseas institutions. If the customer entrusts our bank to mail the witness materials on his behalf, he should ask the customer to check the corresponding items in the service application form and sign the power of attorney before proceeding.

3. If the feedback materials from overseas institutions fail to pass the preliminary examination, the domestic handling institution shall assist the customer to supplement the required materials or adjust/cancel the overseas loan application according to the suggestions of overseas institutions. After the supplementary materials have passed the preliminary examination by overseas institutions, if the overseas institutions require to mail paper documents, the domestic agencies shall notify the customers to mail the witness materials to overseas institutions.

The above contents are for your reference. Please refer to the actual business regulations.