Is personal credit loan credible, Zhihu?

Generally speaking, this kind of credit approval is actually linked to the bank's words, which should be more reliable, depending on what your lending institution is. Generally, intermediary companies apply for loans in the name of banks, but the name of loans is banks.

There are indeed intermediaries who lend through bank channels. It is up to you to judge. If the normal loan is the four major banks, you need to go to the bank to sign the loan. Other small banks can submit the initial information in the intermediary company, but the contracted loan must also be in the bank! As long as you have the minimum judgment ability, you should have no problem!

Credit loan refers to the loan issued by the borrower's reputation, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. For a long time, this kind of credit loan has been the main loan method for banks in China.

Due to the high risk of credit loans, it is generally necessary to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers in order to reduce risks.

Credit loan business is mainly handled by banks, loan companies and electronic financial institutions.

Banks with credit loan products in China include China Merchants Bank, Citibank, Standard Chartered Bank, Ping An Bank and Bank of Ningbo.

Credit loans (credit loans) are booming in China. Although the time is not long, all parties are actively launching products to compete for the market. The credit loan of the loan company is about 200,000-300,000, and the interest rate is 1.5%-3%. Some loan companies are well known. These products are characterized by high speed and flexible quota, but the cost is hidden in fees and other charging items. The actual loan cost is much higher than the interest rate advertised.

Credit loan of guarantee company is a credit loan provided by guarantee company to customers through bank lending. Generally, it can reach up to 300,000 yuan, and the charging mode is bank loan interest plus guarantee fee of guarantee company. Formal guarantee companies only charge a certain percentage of guarantee fees and will not charge interest, which is also a standard to distinguish whether guarantee companies are formal or not. P2P loan financing platform, the amount is not too high, and the speed is between loan companies and banks. Its characteristic is that the loan procedures can be completed through the Internet, and repayment can be made through online banking or Alipay, but the rate is uncertain.

According to the description in the General Principles of Loans, a credit loan refers to a loan that is not guaranteed and is only issued according to the credit status of the borrower. When granting credit loans, lenders must strictly examine and evaluate borrowers to confirm their credit status and repayment ability.

The original "General Principles of Loans" even stipulated that "credit loans should be strictly controlled and secured loans should be actively promoted". Due to the high risk of credit loans, in order to reduce the risk, most financial institutions generally need to conduct a detailed investigation on the economic benefits, management level and development prospects of borrowers.

Is credit loan reliable?

Credit loans are credible, and credit loans on formal loan platforms are very safe. Formal credit loans are based on the lender's credit information. If there is a problem with the lender's credit information, it will affect the loan approval, and the lending institution may not lend. The main reason that affects the approval of credit loans is the overdue records in personal credit report.

Many domestic banks have credit loans, such as China Bank and China Construction Bank, which can be handled according to their own needs.

Today, my friend said to give me a personal credit, about 500 thousand. Is it credible?

Hello, I can't believe it. The loan amount is the amount approved by the financial institution according to your personal assets and credit report.

Is credit loan really reliable?

Formal and legal credit loans are of course reliable. Every bank has its own credit loan products. We can also match products according to users' needs and provide users with credit loans. However, easy borrowing is not recommended. After all, you will have to pay more interest.

Credit loans can only be used for personal consumption purposes (including car purchase, decoration, teaching materials, bulk shopping, tourism, etc.). , and cannot be used for buying a house). You need to provide proof of use when applying, because there is no need for relatively strict collateral review, and the personal credit loan amount generally does not exceed 300,000. How much can you borrow? When you apply for a loan, it can only be determined after being audited by the handling bank.

Is Ping An Bank's personal credit loan reliable?

Ping An Bank's personal credit loan is quite good. Because Ping An Bank's personal credit loan does not need guarantee, the procedures are simple and the approval speed is fast, which is generally good.

To judge whether a credit loan is good or not, you can look at it this way. Applicable conditions: Different banks have different conditions for applying for loans, such as credit status, income and repayment ability. When a loan company applies for a loan, it mainly depends on its realization ability and personal reputation. Borrowers with debts can also borrow from banks or loan companies as long as they can provide relevant information. Comparing loan interest rates: Compared with credit loans, the risk is lower, and the loan interest rates in different regions of the same bank may be different. Comparison of approval speed: there are many bank processes and the approval time is long. It is possible to get a loan in about 20 working days at the earliest. The loan company has simple procedures and fast approval speed, and it takes 10 working days to obtain the loan. Compare loan lines.

Several common situations in which banks refuse loans;

1. Bad credit records lead to loan approval failure: most people now have multiple credit cards at the same time, and many people in the "card family" have records of overdue repayment. After enjoying the convenience of credit cards, they don't care about credit records. In recent years, there are many cases in which banks refuse to lend due to overdue credit cards. If the credit card is overdue for six consecutive times, it will be regarded as bad credit by the bank and the loan application will be rejected. Therefore, we should pay attention to the issue of credit reporting, repay in time, and don't become a blacklist of credit reporting.

2. With the development of the Internet and big data, many people around you have started to borrow money online, some doing business and some supporting loans. Although these people have good credit information, when the bank applies for a mortgage loan, the bank will ask you to pay it off in advance. Therefore, before buying a house, you should evaluate your debt ratio timely and accurately, unless your income can fully support microfinance and housing loans. However, according to experience, 95% of banks will ask you to repay when you actually apply for a loan. After the mortgage is approved, it can be handled. Therefore, you must consult relevant questions before buying a house, because there are many cases of unclear settlement and check-out. (The above refers to the loan on credit reporting).

3. Consumer loans: refers to some loans, such as computer installment and mobile installment, which must be paid off first, regardless of the amount, especially for single customers.

4. Car loan: Under normal circumstances, it is not difficult to apply for a car loan with a mortgage. If you have a car loan, it will be very difficult to apply for a mortgage loan.

5. Is there a low-rent house or a special welfare house for a certain period (regional policy): Before buying a house, make sure whether there is a low-rent house under your own name. Before buying a house, ask if there is such a house at home. If so, you'd better consult the Housing Authority in advance, whether it is necessary to cancel and whether it can be transferred. Then decide whether to buy a house. Don't be in a dilemma when you can't pay the bill after paying the money.

Is the personal credit loan of Postal Savings Bank credible?

The personal credit loan of Postal Savings Bank is credible. But the credit loan must be repaid within the specified time. If you don't pay it back, the interest will still be relatively large, so it is better to be cautious in bank loans, and it is best to lend if you have the ability.

Credit is the credit loan business of China Postal Savings Bank, and China Postal Savings Bank was formally established on March 20th, 2007, and it is one of the six largest banks in China. 2012 65438+1October 2 1 With the approval of the State Council, Postal Savings Bank of China Limited was officially changed to Postal Savings Bank of China Limited. Because China Postal Savings Bank is a formal bank, postal credit is formal.

The credit loan of Postal Savings Bank needs a guarantor (personal credit loan with an amount of 654.38+10,000 yuan and a loan term of 1 year), and personal business loan needs a real estate mortgage (with an amount of 1 10,000 yuan and a loan term of up to 5 years according to local actual conditions). The borrower must prepare a personal loan application form. Of course, some of these loan application forms are taken directly from the bank. 2. Chinese mainland residents with full capacity for civil conduct must be aged between 65-438+08-60. Therefore, the information to be provided is the valid identification of the person and his spouse; 3. The borrower has a fixed residence, preferably for more than half a year, and needs to provide proof of residence (house lease contract) and some utilities.

At present, there are two main types of consumer loans in the Postal Savings Bank, namely, personal credit consumer loans and personal comprehensive consumer loans. The application conditions of these two products are:

Personal credit consumption loan

1, personal credit is good and can meet the basic credit requirements of the Postal Savings Bank;

2 have a certain repayment ability, and can provide proof of repayment ability, professional certificate, qualification certificate, academic certificate, etc.

Personal comprehensive consumption loan

1. Personal credit record is good, and the sum of the borrower's age and loan term cannot exceed 65 years old;

2. Have a certain repayment ability and can provide collateral recognized by the Postal Savings Bank;

3. There is a clear purpose of loan consumption.

Generally speaking, it is not difficult to apply for a consumer loan from the Postal Savings Bank. However, the pass rate of personal comprehensive consumer loans may be higher than that of personal credit consumer loans.