jewelry display sets wholesale Why do banks launch credit loans? Is there no mortgage bank risk?

san antonio wholesale jewelry show First, what is unsecured loan?
In unsecured loans, also known as unpaid loans, or credit loans. No mortgage, only identity proof, income certificate, address certificate and other materials, loans applying to banks, banks are based on personal credit conditions to issue loans. The interest rate is generally slightly higher than the mortgage loan. Customers can according to individuals according to individuals. The specific situation is to choose the loan period, and then sign the contract with the bank to guarantee.
. The characteristics of unsecured loans
1, unsecured-no property mortgage is required.
2. The application procedure is simple and fast, and the application of hotline, website, designated acceptance point and fax can be easily applied.
3, long cycle-Any time for your loan, the loan cycle can reach up to 24 months.
4, high amount-comprehensive evaluation of your income and credit status, the maximum loan amount can reach 150,000 yuan.
5, fixed interest rate-This loan is a fixed interest rate, which is exempt from the influence of market interest rate fluctuations, reducing interest rate risks, and enjoying discounts.
. The risk of unsecured loans
This on the Internet today. The so -called personal unsecured loan information of the unsecured loan in the country. These so -called "loan companies" and "loan groups" all declare: No restrictions you are in where you are, and you don't need to have any mortgage, you can put it for you only if you need your ID card. Such information is fraudulent information, please pay attention to risks:
1, the company's name is relatively large, the so -called "integrity group", "XX loan group", "XX loan group company", etc. With the existence, the industry and commerce department cannot allow the name of such companies to register;
2, there is no office address, and it cannot provide a real company business license and personal ID card; For contacts, you can see that the publisher is concentrated in a few provinces in China through the mobile phone number inquiry;
4, the loan conditions are easy, no mortgage or not need to check the income, basically a ID card can be loan;
5. When the trader is tempted, the scammers will use reasons to charge the fees first, such as "interest, lawyer fees, verification fees, insurance premiums, handling fees, margin", etc.; After the lenders paid first, they found that the scammers' mobile phones could no longer be dialed, and even some seekers did not know the other party's company, personal name, ID card, and even the other party was deceived without knowing where they were.
It will not drop pie on the day, remind you to pay attention to risks:
1. Only a few banks have opened individual unsecured loan varieties for some regions, and according to the formal process The bank's bank statement of the salary card, etc.;
2, please go to the other company to check it on the spot and sign the formal contract;
3, please keep the counterpart of the other party's business license and copy of the ID card, and argue the truth Pseudo. (Enterprise authenticity via industrial and commercial website query, personal ID card can be queried by mobile phone SMS or online inquiry);
4, before the loan is on your account, please do not pay any fee.

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