What are the advantages of finding a loan for a small loan c
Mr. Wang wants to borrow 100,000 yuan, but at the end of the year, the bank loan amount is tight and the loan is too slow. Some friends advised him to find a small loan company to handle the loan. He had such a question about the small loan company he had never contacted: small loan company loan Where is the advantage? Now the author will come and tell everyone. Advantage 1: The threshold is lower than that of the bank. The application threshold of the small loan company is much lower. In the case of unsecured loans, the current credit card of Standard Chartered Bank requires the borrower to have at least 5,000 before tax, and Yalian Finance and Salary The borrower is required to be at least 3,000 or more. In addition, the form of the performance is different. For example, the borrower whose wages are paid in cash is difficult to obtain in the bank, but the small loan company has opened up the convenience. door. Advantage 2: Faster lending Because the bank's approval of loans is more cautious, the lending time is slower, and the efficiency of small loan companies is much higher. As long as the borrower has the ability to repay on time and in full, the fastest day. Loan. Therefore, borrowers who are in urgent need of money may wish to find loans from regular small loan companies. Advantage 3: The loan record will not be included in the credit information system. If the borrower handles the loan at the bank, the loan record will be included in the central bank's credit information system. If there is any overdue payment, it will be reflected in the credit report. Will affect the application for future mortgages and car loans. However, most of the small loan companies are not currently connected to the central bank's credit information system, so the loan behavior of such lending institutions will not be reflected in personal credit information, so even if the occasional overdue will not affect the future loan application. Of course, there are some shortcomings in small loan company loans, such as high fees and many scams. Therefore, I suggest that you must find out the formality and charges of small loan companies before they apply for loans, so as not to be deceived.