Be cautious in investment and financial management. I just started this industry, but I have some suggestions that may be useful to everyone: First, I want you to invest in one of their companies.

The annual interest rate of this wealth management product is 18%, the monthly interest rate is 1.5%, and the interest is returned every month. Income is absolutely guaranteed (stated in the notarization contract). For example, if you invest 6.5438+0.8 million yuan, your annual income will be 6.5438+0.8 million yuan, and your monthly interest income will be 6.5438+0.5 million yuan. It is not the highest income among wealth management products, but the income is absolutely objective under the premise of capital preservation.

About products

This wealth management product adopts the mode of private lending (private lending has greatly solved the bottleneck of financing difficulties for small and medium-sized enterprises, and now the state also strongly supports development), that is, we lend idle funds in our hands to some companies or individuals in need through our guarantee company. For a simple example, you lend a friend 100 yuan for three months, and he mortgages you a watch worth 200 yuan. Three months later, he returned you 100 yuan, and you returned the watch to him. The product model is so simple, the difference is that it is a little professional to operate. The product flow chart is as follows.

About legitimacy

This issue is the primary concern of all investors, because financial fraud, illegal fund-raising and frequent contract disputes make investors suspicious of many wealth management products. Don't worry, our company is approved by China Banking Regulatory Commission and registered by Beijing Administration for Industry and Commerce, with a registered capital of100000 and total assets of its group industrial companies of1200 million. Our wealth management product is by no means illegal financing. The company doesn't absorb any of your funds. From beginning to end, your funds are in your bank card, completely under your control. It is by no means usury, and the national law expressly stipulates that the interest income should not be higher than four times the bank loan interest rate in the same period. The annual interest rate of our products is 18%, and the current bank loan interest rate is 5.56%, which is obviously four times lower than the loan interest rate, which belongs to national protection.

About risk

With strict management mode and solid industrial foundation, the company ensures the principal and interest safety of every investor, and investors are most concerned about what our company should do. Therefore, we reduce the risk of investors to zero through multiple guarantees.

First, there is collateral. The borrower must have real estate as collateral in Beijing, and the mortgage rate shall not exceed 50%. For example, if he wants to borrow 6,543,800 yuan, he must provide something twice as much as the mortgage value, that is, a house of 2 million yuan. First, he will directly register the mortgage in your name in the Housing Authority. After the mortgage, the control is in your hands. The name on the other right certificate (the right certificate issued by the Housing Authority) is yours, which fundamentally and effectively binds the borrower to perform the contract on time.

Second, compulsory notarization. The purpose of notarization is to make the contract authentic, legal and effective, and to better restrain the borrower from timely repayment. The purpose of compulsory notarization is that once the borrower fails to repay the loan, you can directly apply to the court for compulsory auction of his property with his right certificate and notarization documents, without going through a long litigation process. This is also to better restrain borrowers and ensure the interests of investors.

Third, the joint liability of the third party. The contract clearly stipulates that if the borrower fails to repay the loan, he can ask the company to make compensation, and the company must repay the loan unconditionally within ten working days.

It is up to you to decide the use and time of the funds. If the company recommends a matching borrower to you, and you think it is inappropriate, you can refuse to cooperate, and we will find the next suitable borrower for you at the first time.

About the borrower

All borrowers (also called project parties) have been pre-examined by professional risk control personnel in the company's risk control department, and their qualifications, credit information, loan purposes, repayment sources, real estate conditions and so on must be investigated. You must want to know that the interest of the company is much higher than that of the bank. Why don't borrowers borrow from banks, but through companies?

In fact, these borrowers all meet the requirements of bank loans. They have their own business and house in Beijing. They are in urgent need of working capital, which is used for a short time, about 2 or 3 months. It is only because bank loans take a long time and the procedures are cumbersome, and loan approval is particularly troublesome. It may be approved and the funds will no longer be useful. Therefore, in order to quickly turn over funds and solve urgent needs, we seek the cooperation of our company. If their qualifications and credit are good in all aspects, the company can complete the loan formalities within one day. At the same time, the company also cooperates with a number of banks. Banks will also hand over similar orders to our company, which guarantees the quality and strength of borrowers from the side.

About cost

You don't need to buy this wealth management product, that is, you don't have to pay a penny for the whole investment process. Maybe you will find this operation quite troublesome, but it is actually very simple. You must attend: first, go to the real estate bureau where the borrower's property is located to register the mortgage. Because it is mortgaged to your name, you must be present. Generally, it's ok when you arrive, and it won't take long. Second, when the notary office signed the contract, we had a cooperative relationship with the notary office, and it was done in about half an hour. (You can also participate in many other steps independently, such as going to see the borrower's real estate with our risk control. If you are really busy, you can also entrust these two processes to other people you trust, such as family members. ) The funder has no cost at all. Of course, you will wonder how the company can make a profit. In fact, what the company earns is the borrower's guarantee fee, evaluation fee, lawyer's fee, etc.

About the company

Beijing Huachuang United Guarantee Company is a comprehensive company that does both industrial investment and financial services. The company's business scope covers BOT highway management, coal mining and comprehensive utilization, iron ore mining and dressing, network technology, finance, real estate services and other fields, with total assets1200 million yuan and total employees 1300 people. Its wholly-owned companies include Beijing Hechuang Ye Wei Investment Co., Ltd., Beijing Xingui Urban Online Technology Co., Ltd. (Hongpai. com), Inner Mongolia Mingda Highway Management Group Co., Ltd., Inner Mongolia Huneng Coal Industry Co., Ltd., Hebei Chengde Zheng Hong Mining Co., Ltd. and Tangshan Caofeidian Blue Ocean Real Estate Development Co., Ltd. ... Relying on strong industrial base and financial strength, We are committed to promoting the steady and rapid development of China's private financing guarantee in the direction of legalization, standardization, scientific management and controllable risks, and strive to explore a win-win road that combines controlling private financing risks, promoting the prosperity of private capital and effectively solving the financing bottleneck of small and medium-sized enterprises.

That's all. Because this wealth management product is relatively new, there must be a process of understanding and communication. If you are interested, you can contact us at any time or discuss directly with the company. I'm sorry to bother you if you didn't mean to.

Wish you a happy life!

Wang Heng

Beijing huachuang union guarantee co., ltd

Address: Floor 8, Block A, Jindi Center, No.9/KLOC-0, Jianguo Road, Chaoyang District, Beijing

Tel: 010-01057071652.

Fax: 0 10-5707 1688