See a lot of people in the consultation, also ask credit Is it right? Really? Because often hear people cheated thing. Here, I can to remind everyone: loan institutions, if let you make money, it is to deceive people!

Credit in the Chinese slowly became a kind of value, for entering the society of people, rely on the wages to enrich one's family, make life a little difficult, so you might consider what to do, and the new out of credit loans to many people the chance, the credit issuer may be banks, may also be some loan company. Or small Credit Company, and someP2PPlatform, in fact be unsecured loan.

But the credit loan has a lot of traps, so in the following one one I told everyone's interests are infringed, prevent! At the same time I also stated the advantages and disadvantages of various credit company, let everybody have a choice.

First of all: what kind of person can get a loan?

Because the credit loans, unsecured! So we need to have two conditions,One is the ability to repayThat is to say, you have a stable income, the income is stable basically you wages card access wages, because banks can give you water out to prove your ability to pay.There is your credit recordSimple, is a word you credit card overdue number is how many times? More than three overdue out of the question, that you used to not have resistance to account. There is that you have to bank loans what.

How to apply for credit loans?

First of all need to prepare some materials, go to the people's Bank Chinese dozen credit report, proof of income.

Those institutions do personal credit loans

The personal credit loan bank is not too much, foreign banks, Standard Chartered and Citigroup doing personal credit loans, the banks are some small local banks are doing. Most of them are some petty loan company in credit loans, and someP2PThe loan platform is essentially do micro credit loans. The loan amount is almost2Million------10Million, some lines can be batch of more. Some less, if you want to apply for many words, can be more than one application, so you should limit is enough.

The trap:

    First yearInterest which Maoni: a lot of loan companies and banks have written the annual interest, we can't trust the annual interest, in particular, do not have blind faith in banks. Because banks generally have what management fee, fee within the platform, he told you the annual interest is7%Listen, you very happy, but when the contract management fees, service fees ah, ah what costs, plus annual interest in together30%Many of the currently known, Standard Chartered Bank and Citibank is doing so, you've got the money, let you feel the pain. This time you have signed the contract, because their sales are highly mobile, will bomb you stand when you signed the contract, please sign leave! This is deceptive tricks that, everybody beware. The vast majority of loan interest in20%-25%In between, but when you sign the contract must clearly see.

   Secondly.Get a loan and the actual amount is not consistent. For example you loan1Million, the annual interest is15%Only you get6Thousands of, in accordance with the1Thousands of interest. Finally, the repayment amount is11000So, you borrow6000Also, the11000Also, it is equivalent to about two times, almost usury! The state expressly over4Times the bank interest on the part of illegal, but they say that4A thousand is the fee! Does not belong to the loan, you didn't recruit, you come to it, there is a contract, but you play them anyway. So when signing a contract ask is there any service fee, don't spot contract, because it is generally a trap, strange is this trap is generally done more in foreign banks, domestic banks also many! Did not expect it, anyway, the temptation to let you sign the contract only regret! So remember that gives the feeling of success, anxious to let you sign salesman must not believe, because those who just want to get the performance of salesman basic does not have the sense of responsibility.

Comparison of various lending institutions:

Standard Chartered Bank: actual interest25%-35%Quota3Million-----15Million   Strict examination

Citibank: actual interest 25-35%,  Quota 3Million---15Million   Strict examination

Domestic commercial banks: actual interest  15%---25%Quota.2Million---10Million   Strict examination

Some domestic commercial loan company:

The letter should:  The actual interest22%---25% Quota 3Million----50Million   Audit strictly, (easy to put the car loan, is the car, directly do car mortgage)

Red Hill vc:  The actual interest25%----30% Quota.5Million----20Million   To examine

Peer-to-peer lending:   The actual interest25 28%    Quota.2Million----20Million   To examine

On loan:  The actual interest25%----30%   Quota.2Million-----25Million   To examine

I hope the loan:   The actual interest18%---25%   Quota.3Million----30Million   Strict examination

Compare the advantages: commercial lender than bank is more trouble, banks, and the cycle is long, so the most reluctant to go to the bank to apply for loans, and commercial lending institutions. But when the interest and you will see the sign, because most commercial interest is very high.

I do credit loans in the industry for many years, because of honesty and credit and famous industry for many years! If you need to borrow problem can free consulting.