How about Guangzhou Chuangrongxin loan?

Hello, the company is formal. But you can only do business with a local company. If someone says that he can do national business in the name of his own company, he is a liar pretending to be this company. Don't believe anything they say. It is best to apply for loans, credit cards, etc. At your local company.

Although Chuangrongxin Loan Company is a regular company, it is recommended that I go to the company to check and handle the loan business in person, which is safer. Online loans and the like are unreliable. It is recommended to find a formal loan institution to avoid being deceived and causing irreparable losses.

: What are loans and loan companies?

Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Simply put, it is borrowing money with interest. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

A loan company refers to a non-bank financial institution established in rural areas by domestic commercial banks or rural cooperative banks with the approval of China Banking Regulatory Commission in accordance with relevant laws and regulations, and specialized in providing loan services for county farmers, agriculture and rural economic development. The loan company is a limited liability company fully funded by domestic commercial banks or rural cooperative banks.

Risks of lending to loan companies

The so-called low-interest loans of loan companies are actually realized through disguised loans and disguised charges. After the loan company receives the lender's application. They will be asked to provide proof materials such as real estate license, ID card and household registration book, and then "package" the loan. The so-called "packaging" is actually to transform loans into loan projects acceptable to banks. For example, loan companies package speculative loans into decoration funds. This kind of company will find or set up relevant housing decoration companies, issue some false housing renovation contract, and then defraud funds from banks.

In fact, the so-called benchmark interest rate of loan companies is just to attract people's attention. The benchmark interest rate is only a part of the loan price that people pay. In addition, the loan company will charge a handling fee of about 2.5% of the total loan amount from each transaction, and this ratio will be higher if the loan is difficult. Especially in the current situation, the interest rate of bank loans generally rises, and the loan threshold is constantly raised, which makes the benchmark interest rate provided by loan companies rise by about 10%, which is quite attractive. And some so-called "unsecured and zero-guaranteed loans" are more likely to hide risks. If the customer pays the service fee, every once in a while, the loan company will claim that the banking policy has changed and it is necessary to pay the service fee. This is likely to be a bottomless pit, and lenders should be vigilant. Therefore, fund demanders should have a clear understanding of loan companies and avoid being confused by their illusions. What's more, even if the interest rate of the loan company is low, the final loan cost is not low considering the handling fee paid to the loan company at one time. Therefore, the loan is still to be handled by a formal lending institution.