personal loan Which teaching method is most reliable?

There are many ways to take out a personal loan. Some personal loan methods do solve the borrower's personal loan problem, but there are also some personal loan methods that not only do not solve the personal loan problem, but can hide the stain, there are various pitfalls, But there are also some personal personal loans can solve the borrower's money problem, but the cost is higher. personal loan So how can a borrower choose the most reliable form of personal personal loan?

To this end, it is necessary to first understand what are the common personal loan methods and their characteristics, so that you can know which personal loan method is the most suitable for you and the most reliable.

In this regard, the author analyzed and sorted out the following five common personal loan ways and their corresponding characteristics, for borrowers to refer to!

The type of personal loan in the banking system: the personal loan in the banking system basically does not appear usury, so you can rest assured of personal loan.

But for bank personal loan, the priority order is as follows: real estate mortgage personal loan > consumer credit personal loan > multi-purpose cash credit card installment and so on.

Consumer finance companies affiliated to banks: for example, Hubei Consumer Finance, Bank of China Consumer,

Industrial Consumer, these are all formal, but compared with banks, personal loan is lower and the interest is higher, but it is more suitable for ordinary people, because banks have much higher requirements on credit personal loan. It is easier to obtain personal loan in these consumer finance companies.

Small loan companies: the interest income of personal loan enterprises in this professional category is generally more than 2%, but it can not be regarded as a usury, because within this month, the interest is divided into interest + platform construction management fee, and the management fee is not interest. However, when borrowing this, we should also pay attention to the management fee, and some management fees or handling fees are very high. Xiaobian suggests learning less than a last resort, or not to borrow.

General online personal loan: Online personal loan is generally very low, the threshold is also very low, basically most people can borrow, the interest is not high, because basically are small personal loans. But for online personal loans, we must pay attention not to overstay, otherwise we may encounter violent collection or explosive address book, if not overdue, the interest rolling constantly is also very terrible.

the giant regular network loan: This security relative to the network loan can also be, because there is a "gold owner" backing. Some amount can also be, the interest is normal, in some cases can be used. But mainly don't overuse it, as frequent use may have an impact on personal loans in other banking systems, such as buying a house.

Use too much and the bank may refuse to lend.