1, what is the folk loan?
Answer: the folk loan is between between the natural person, natural person and non - financial organization money lending, has the characteristics of simple, flexible, plays a supplementary role on bank credit.
2, private lending and bank loans what is the difference?
Answer: the bank for the mortgage loan:
Conditions many (most banks require housing area of 60 square meters, age in 90 years, loans below 1000000)
Loan slow (10-30 working days)
Cumbersome procedures, long processing time (need to approve the 6 stage audit)
Low utilization of funds, and the synchronous pay off.
Interest rate: 5-7%
Private lending:
Age, area, appropriate to relax the lending and borrowing, both sides agreed;
Next, the general 1-3 working days;
The procedure is simple;
Capital utilization rate is high, split;
Interest rate: 15-24%.
3, private lending is what industry?
Answer: the folk loan belongs to the financial service industry
4, the state of borrowing any policy support?
Answer: (1) the state of the pilot in Shanxi, Shaanxi, Guizhou, Sichuan area;
(2) the State shall encourage the development of private lending in the NPC and CPPCC period;
(3) the national policy introduced in 2008 June to regulate private lending industry.
 

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5, the characteristics of private lending?
 
Answer: for the borrowing side:
(1) the next fast, 1-5 working days to get funds;
(2) simple procedures, in accordance with the mortgage conditions can bid;
(3) moderate interest rates, between banks and pawnshops;
(4) for flexible, 1-12 months, which could be for an extension in advance;
(5) mortgage moderate, borrowing rate for the highest value of collateral assessment 50%-60%
(6) repayment freedom, can be divided into the month, season, year of repayment.
For lenders to:
(1) interest income is higher, not lower than 15%, several times higher than bank interest;
(2) the threshold is low, the lowest 50000 yuan start, low threshold;
(3) a flexible manner, period of 1-12 months, credit cooperation in a flexible manner;
(4) stable income, no business, guarantee a minimum income;
(5) less risk, to the property or other means as collateral, guarantees, security Wu Yi Wan loss.
(6) the secrecy good, strict client funds, credit, loan business secrecy.
6, the simple introduction of your company's business?
Answer: our company is mainly engaged in private lending, project financing, and carry out the customer financial service.
7 basic processes, borrowing?
Answer: submit documents → house assessment and signed an agreement to sign the contract, (notarized) → → completed mortgage loan.
8, mortgage registration before should pay attention to what the details?
Answer: should pay attention to the required documents are complete, whether the staff required to present, whether the documents submitted by the materials meet the registration requirements.

9, borrowers have what conditions?

Answer: (1) over 18 years of age, not more than 65 years of age, citizens can independently express true wishes.
(2) the collateral for himself or third person legally owned property (residential, office, office buildings, land, etc.)
(3) mortgage is tentatively scheduled for Weifang city and the surrounding county level city
10, the required documents?
Answer: 1) the natural person: real estate or all of the housing, land use permits; the borrower identity card, residence booklet, the mortgagor couples ID card, residence booklet, marriage certificate; where the mortgagor provide individual single unmarried proof, divorced provide proof of divorce and re marriage without proof, second accommodation to to provide proof of identity, residence booklet, marriage certificate, real estate license.
2): corporate real estate or all of the housing, land use warrants, the identification certificate of the legal representative, the legal representative of the company's articles of association, commissioned proof, the resolution of the shareholders' meeting, board of directors, copy of business license (original), tax registration certificate, certificate of tax nearly three months of.
How much is 11, folk loan interest rates?
Answer: now Weifang market borrowing rate is around 20%, with the relationship between supply and demand changes, interest rate changes, specific borrowing both sides can be negotiated.
12, I would need to pay much cost?
Answer: the interest is paid to the lender, and borrowing 2% Commission as the folk loan company fees, also need to pay the mortgage, appraisal, notary fees.
13 the borrower interest, how do you pay?
Answer: the folk loan interest payment is flexible, monthly, quarterly or one-time payment of interest, the specific payment of interest or what interest, both sides negotiated a loan.
14, your company has any provisions of the loan period?
Answer: the most long can borrow a year, due to be continued; the shortest non agreement.
15, private lending what are the requirements for collateral?
Answer: the mortgagor has right to control and independent property mortgage on real estate and housing, clear property rights, no disputes.
16, the collateral is Yigougongfang, and borrowers children abroad, whether do mortgage procedures? Answer: can, if the child cannot be present, can be commissioned notary, handle the embassy.
17, the rural house can do mortgage?
A: No, the nature of the land belongs to the collective property right of rural housing, the people only have local agricultural registered permanent residence population, with a collective property of only the right to use land, not dispose of the right, so can not be used as collateral.
18, if not in the housing mortgage accounts, how to apply for mortgage procedures?
Answer: this room is empty, the mortgagor need only provide the property permits, identity cards, account of this, proof of marriage material can handle.
19, in the mortgage does not guarantee accommodation conditions, can not do the notarization, how to ensure that the lender's interest?
Answer: can through the lawyer witness to safeguard the interests of the lender.
20, I do real estate certificate mortgaged to the lender or your company?
A: No, mortgage procedures in the real estate trading center mortgage center in the real estate transaction, the mortgage to the lender, borrowing the expiration of the contract, to the real estate trading center for the solution procedures, property cards returned to the borrower.
21, the longest period of the loan is how much? Can you roll?
Answer: the loan period is in principle a year, after a year, both sides negotiated rollover.
22, I want to borrow money, but my house has been in the bank mortgage loans, can do in your company?
Answer: can. To do two times the mortgage or to withdraw and underwritten, the house property card out from the bank, and then apply for mortgage loan.
23, the borrower can advance repayment?
Answer: can, but need to negotiate with lenders, and agreed to a default payment according to the contract.
24, the business license and securities, plant can do mortgage in your company?
Answer: can, but need after system evaluation to determine whether you can do.
25, is your company own loan?
Answer: in general is that we help you to contact the loan customers, both of you are borrowing contract.
26, Yigougongfang have what special requirements in as collateral?
Answer: mortgage procedures, all personnel accounts this year full 18 one full year of life shall sign on the spot.
27, the housing as collateral, what are the requirements for the land property of housing?
Answer: transferring, transfer, transfer can be secured.
28, the borrower's loan amount are required?
Answer: in general, borrowing gross collateral assessment 50%-60%
How much is 29, notary fees? How much is the assessment fee?
Answer: General notary fees and mandatory notary fees are a total amount of 3/1000 cost of borrowing, less than 200 yuan charged in accordance with 200 yuan.
By assessing fees charged 2/1000 of the property value assessment.
30, the army could property as collateral?
A: No, because the land belongs to the allocation of land, does not meet the mortgage registration requirements.
31, your company underwritten withdrawal charge? The cost to collect?
Answer: can do, specific amount according to the pad, the pad general fees for the amount of 2%, banks charge fees by the housing situation.
32, if the loan period, borrowers want to renew, how to handle?
Answer: the borrower in the contract if you want to extend the loan period, shall notify the company in advance, and lenders in the communication and consultation, the consent of the other party, signed the loan contract in the company's extension of the supplementary contract.
33, how to ensure the safety of the house?
Answer: once the two sides reach an agreement, the borrower's property permits the mortgage registration, return to their own hands, lenders got a mortgage, the mortgage can only prove the collateralized debt obligation between the mortgagor and the mortgagee, the housing property is not changed, the mortgagor is still the property mortgage legal property, so the house is safe.
34, real estate assessment who do? You give much return?
Answer: a formal assessment of our company unified specified do, we do not return.
35, your borrowing that year the house can do mortgage?
Answer: in principle, we in 1980 before the house does not do, but if you can borrow to lenders agreed
36, if the borrower does not repay, how can mortgage the house to auction?
Answer: if a borrower does not repay, auction in accordance with legal procedures, if the mandatory notarization, don't have to go through the court, can be directly with agency for the auction auction; general notary, requires the court to make a decision, and then by the relevant agencies for the auction.
37, the auction fees to share?
Answer: such as the borrower to borrow 100000, mortgage housing auction 180000, need to deduct the auction fees, the court for compulsory execution fees, loan principal and the default payment, the remaining money to the borrower.
How much is 38, your minimum loan amount?
Answer: we require a minimum of loan amount is 50000 yuan.
Do the mandatory notarization can be 39, and under what circumstances?
Answer: the borrower and mortgagor is the same person, at the same time, the borrower needs to have second homes, and second place is the borrower or immediate family members have no debt property, loan amount is below 1000000, 2 times less than the interest of bank interest period.
In 40, to complete the mortgage procedures, how to do credit customers defaulting loans?
Answer: both lenders and borrowers by company signed a loan contract, and deal with mortgage formalities, if lenders do not grant loans to borrowers, corporate law department can accept party entrusts, filed a lawsuit to court jurisdiction, in accordance with the contract credit default clause claim.
41, not in the preceding paragraph expires, if extended to charge the expenses?
Answer: the expiration of the contract, such as run, to settle through consultation. If it is short, can by signing relevant content clear extension of the loan contract annex, the fees through negotiation.
As the extension of time is longer, then re signed mortgage contract, re apply for notarization, mortgage registration, evaluation, service fees for the loan amount of 2%
42, you and the hock OK what's the difference?
Answer: the hock to the movable and immovable property as collateral, are generally short-term operation, their loan interest rates relative to private lending is much higher, the annual interest rate as high as 36%, high interest, high risk.
Private lending in most cases the immovable property as collateral, which belongs to the mortgage, the risk is low, interest rates are low, at about 20%, the business operation is flexible and convenient.
43, what is the mortgage? What is called the pledge?
Answer: refers to the debtor or third people will be its specific property to creditors share, as guaranty for the creditor's right, the debtor does not fulfill the debt, the creditor shall have the right to the asset discounted or auction, the sale of the assets price first refusal rights.
Mortgage refers to the debtor or the third person does not transfer to the specific property, the asset to debt, the debtor does not fulfill the debt, the creditor shall have the right to discount or auction, the property change of price priority rights.
44, lenders need to pay what cost?
A: No, the service fee is paid by the borrower.

 45, your company can how long loan?
Answer: in the loan documents are complete case, generally 1-3 working days will be able to obtain funding
46, by your company loans, such as loan default, what your company can do for us?
Answer: standardization, specialization of our company's operation for your loan maximum to avoid the risk, while mortgage legal protection, and a clear breach of the contract between the parties in terms of punishment limit. And, when customers default, our corporate law department can assist in the relevant legal issues.
47, if the borrowers default, your company can agent to sue?
Answer: can, but need to be signed by the lender and the company commissioned agreement, by my company Ministry of justice to the agent execution, by lenders prepaid expenses.
48, the difference between what a lawyer witness and the general public?
Answer: notarization is notarized according to the loan contract itself, clear the debit and credit relationship, and the lawyer witness is testimony to the overall borrowing process. Lawyers witnessed the contract itself and is not only the relationship between borrowers and lenders, including the whole process is signed, mortgage, loan, more comprehensive protection, the constraints of both parties of the contract.
49, Is it right? Under normal circumstances, the greater the amount of borrowing, interest will be higher?
Answer: in general is that, of loan customers, loan amount is large, the risk is higher, so the high risk and high income is in direct proportion, both sides can comprehensive consultations, but the interest to within the statutory range.
50, the loan interest rate is too high, Is it right? Usury?
Answer: according to the provisions of relevant state laws: not more than 4 times the bank's benchmark interest rate, protected by law, so in this range is not called the usury, a legitimate income.
51, if your company went bankrupt, how do lenders?
Answer: the loan contract is signed between borrowers and lenders, lenders have mortgage, notarization, the notary office shall be protected by law of loan contract.
52, in your company how to safeguard the interests of the loan lenders?
Answer: in our company loan has three aspects can protect the Lender Interest
1) within the housing loan for the amount of 70% of GDP
2) we will debit and credit lending relationship notarization and lawyer witness protection by law procedures, ensure thereby maximizing during the execution of the contract the Lender Interest
3) we will study the purpose of the loan and the repayment ability of the borrower in the contract period;
If the borrower does not repay the mortgage contract, the property will be auctioned by the court, the auction proceeds mortgage principal and liquidated damages.

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