Insider 1 interest on the loan is often much higher than bank

A few days ago, Xi'an citizen Mr. Liu to North Street, a building, a Business Company Advisory loan, found together in several people lift is the same purpose. "This business is also very good." He said with emotion. Bank credit tightening, but fire some professional "loan company".

"This time the business was significantly larger than before." A well-known business Consultants Co Xi'an Branch CustomerThe manager told reporters, compared with Bank of dedicated and cannot be cashed, "use loan companies generally do not limit the loan". As long as the customer in line with the conditions, the processing time without too long.

According to its introduction, the premise of customer loans is to have a bank loan, including car loan, mortgage, credit cards or other loans. The maximum loan amount is 10 times of monthly income, but if there is real estate, automobile, can also be appropriate to increase the amount of.

But the loan interest is often much higher than the bank. In a period of 3 years as an example, the interest rate for the 1.89%-2.69%, according to the calculation of reporters, compared with the central bank benchmark lending rate, the annual interest rate is higher than 3-6 times, to 100000 yuan as an example, at least a year to pay 16580 yuan of interest. 3 years down to pay more than 50000 yuan.

A reporter with several "loan company" left in the newspaper ads in the phone after the discovery, almost all the Business Company loan interest rate is high. Some companies even though interest rates are low, but the customer is required to pay the additional costs of various.

Another property insurance company credit guarantee insurance department manager also told reporters, in addition to the implementation of the bank interest rate, monthly also need to take a certain amount of credit guarantee insurance. Also in the 3 year loan of 100000 yuan as an example, the customer must pay by bank listing every year except the rate of interest, but also to pay 21600-25200 yuan cost. 3 years have to pay at least 60000 yuan. In contrast, higher than the benchmark interest rate 4 times.

The client manager told reporters, because of high interest rates, customers bear interest is heavy, so the short-term loans more cost-effective. A personage inside course of study also suggested that, individual customers only really need the money, consider whether to choose the relatively high rate loans.

Insider 2 Guarantee Corporation loans the highest rate of over 80% years

With the temporary "shrink" bank unsecured personal loan business, many Guarantee Corporation have vied for the market. The state expressly prohibited Guarantee Corporation, deposit, lending, the lending and investment. But in the face of high profits, many Guarantee Corporation to rush into danger. "The beginning until now, to consulting company loans to individuals is obviously a lot more than before. A few days before a person, now is the day to several people." In Xi'an working with a Guarantee Corporation. Mr. Chang told reporters, the company now also feel personal loans have good prospects of gain, therefore face the customer demand, the basic can accept, many peers also have the same idea.

But the Guarantee Corporation charge interest is not a small number. Reporters in the customer name to Xi'an many Guarantee Corporation to understand, the loan interest is generally between 3%~4%, up to 7%, the highest rate has more than 80% years.

Guarantee Corporation is a well-known industry customer manager told reporters, their company's personal unsecured loan on loan for 3 months, the longest one year, monthly interest is 1%, but the customer must pay 1.5% in advance loan guarantee fee. In so doing, the annual interest rate reached 30%.

Mr. Chang told reporters, interest and risk of hook, the greater the risk, the higher the interest rate. To control risk, most companies only do short-term loans for six months to one year.

Insider 3 Swindlers Company set up seven common legerdemain

With the personal loans market fiery, some Swindlers Company also began to be popular.

Reporters in the Baidu search "Xi'an unsecured loan", find related results about 6900000. Most of them are known as the "professional, convenient, fast and", but leave the contact way and only QQ or mobile phone, but mostly foreign mobile phone no.. The reporter dialed, most people take an oath devoutly commitment, "whatever you Is it right? Xi'an local people, as long as the ID card, account of this, you can borrow money. According to the regulations of bank interest income, you want to borrow much basic can do it." In these companies, only a few online leave office address, but the reporter investigations found, these addresses are It is sheer fiction. One industry told reporters, these Swindlers Company modus operandi is actually very easy to expose, mainly has seven kinds: one is the companies are large, often known as the "x x loan group", the individual also provide a copy of business license, but false traces obviously; two is generally only provide mobile phone number, contact person and QQ, no the fixed telephone, no office address; three is generally shows that the company with offices in the major city; four is very relaxed lending conditions, procedures are simple; the five is a very low interest rate, monthly interest as long as 1%~3%; six is the most sites also stop thief, remind everybody attention swindlers; seven is a variety of reasons for the first collection period costs (such as prepaid interest etc.). This group of manuscripts by the reporterLiu XuetaoWriting

　　Professional loan unsecured loan flow chart

Preparation of materials: identity card (if a generation ID card, should go to the police station issued photo proof of residence), proof of address (provide the real estate property card or purchase contract, if it is to be issued to property rental rental certificate), certificate of work (contract) and proof of income (Yin Hangliu), a credit report (people's bank business department free print personal credit report) -- after inspection to fill out loan applications -- to verify the authenticity of materials -- the superior department Loan -- notify the customer and sign the loan contract -- customer payment