What is the safety of microfinance? Will you collect debts like those usurers?

what is the safety of microfinance? Will you collect debts like those usurers? Is microfinance a usury?

Regular microfinance is not usury. If you need to apply for microfinance, you can go to the local regular microfinance company to inquire about the accelerated loan. Generally speaking, it is not usury if the benchmark interest rate is less than 4 times. According to the current benchmark interest rate, a one-year loan with a loan interest rate of less than 24% is legal.

I suggest you handle it through formal channels, such as banking channels;

You can log on to the homepage of China Netcom, and select the horizontal menu Personal Business-Air Banking-Online Application for Air Loan to submit information, or directly; Enter your loan demand and contact information; Then an air loan manager will contact you to accept your loan application.

no.

The process for a regular bank is as follows: first, the borrower needs to submit a series of materials to the bank except the ID card, including

(1) the loan application approval form; (The lender directly fills in at the lending institution)

(2) Proof of residential address; (the certificate issued by the neighborhood Committee or the water and electricity payment invoice paid)

(3) proof of work and income;

(4) other information required by the bank.

Secondly, after the bank has approved the application materials submitted by the borrower, the two parties sign a loan contract.

finally, the bank issues loans to borrowers by transfer. Is the small loan in Xiangxiang usury?

Whether it is usury depends on the interest of the borrower's loan. If it is higher than the market, it is usury. Is microfinance a usury?

Application conditions for microfinance:

1. Be a Chinese mainland resident who has reached the age of 18;

2. Having a stable address and place of work or business operation;

3. Have a stable source of income;

4. There is no bad credit record, and the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Microfinance processing flow:

1. Submit an application to a local bank or lending institution;

2. All kinds of materials needed for loan preparation;

3. Face-to-face signing of banks or lending institutions;

4. banks audit the qualifications of lenders;

5. The audit passed and the loan was granted successfully. How to borrow usury? How to borrow small loans

Do you want to borrow usury so much? If you are short of money, where can you go to apply for a loan? The interest rate is not high and it is within an affordable range. Never borrow usury! Gannan small loan, small usury?

You don't look at the places you want to support:

According to the list of hard and remote areas (***659 counties, cities and districts) issued by the State Council [21] No.14, there are 984 counties and cities. Since 21, some counties and cities have been reclassified for reference only

1. Xinjiang (99 counties and cities). Area)

Area A (7)

Urumqi

Shihezi

Changji: changji city, fukang city, Miquan, Hutubi and Manas

Regional type (17)

Karamay

Turpan: Turpan, Shanshan and Turpan. Region: Hami City

Qitai County, Changji Prefecture, Jimsar County

Kuitun City, Yili Prefecture

Yining City, the city of Yining County

Tacheng District, Yili Prefecture: Wusu City, Shawan County

Bayinguoleng Prefecture: Korla City, Yanqi County, bohu county City, heshuo

Region barkun county

Changji prefecture: Mulei county

Yili prefecture, Yili prefecture: Tekes county, Nilek county, tsabou Xueer county, Huocheng county, Gongliu county

xinyuan county

Tacheng, Tori county, Tacheng city, Yili prefecture, emin county

Altay prefecture: Bulinjin county, Fuhai county, Habahe river in Altay prefecture. Jinghe County

Bayinguoleng Prefecture: Yuli County, luntai county County and Hejing County

Aksu Prefecture Wensu County, Kuche County, Shaya County, Xinxian County, Baicheng, Awati

Kashgar: Kashgar City, Shufu County and Shule County

Four regional types (32)

Hami? Region Yiwu county

Yili region: Zhaosu county

Bayinguoleng region: Ruoqiang county, Qiemo county

Kizilsu: Aheqi county, Wuqia county, atushi, Akto county

Kashgar region: Tashkurgan county

Hotan region: Minfeng county

Aksu region: Wushi county

. Yumin County and Buxair County in Yili

Bortala: Wenquan County

Keping County in Aksu

Pishan County in Hotan, Mo Yuxian, Luopu County, Qira County, Yutian County and Hotan City (including Hotan County in Xinjiang)

[change ]

? Two areas are adjusted to three types (16)

? Ili Kazak Autonomous Prefecture, Tacheng City, Tacheng District, emin county

? Chabuchar Xibo Autonomous County, Ili Kazakh Autonomous Prefecture, Gongliu, Huocheng County, xinyuan county

? Jinghe County, Bole City, Bortala Mongolian Autonomous Prefecture

? Luntai county and Hejing County, Bayinguoleng Mongolian Autonomous Prefecture

? Wensu County, Kuqa County, Shaya County, Xinxian County, Baicheng and Awati in Aksu Prefecture were adjusted into four types of districts (1)

?

The three types of districts in Wushi County of Aksu Prefecture were adjusted to four types (23)

? Fuyun County, Altay Prefecture, Ili Kazakh Autonomous Prefecture, Jimunai County, qing he, Yumin County, Tacheng Prefecture, and Buxair

? Wenquan County, Bortala Mongolian Autonomous Prefecture, Mongolian Autonomous County

? Keping county in Aksu region

? Atushi, Akto County, Kizilsu Kirgiz Autonomous Prefecture

? In Kashgar, Zepu County, shache county, Yecheng County, Makati County, Jiashi County, Yuepuhu County, Ba? Chu county

? Pishan county, Mo Yuxian, Luopu county, Qira county, Yutian county and Hotan city (including Hotan county in Xinjiang) in Hotan region

Qinghai (39 counties, cities and districts)

Regional type (8)

Xining city, Huangzhong county and Huangyuan county (including counties)

Pingan county in Minhe county in Haidong region. Xunhua county

three regions (16)

Haidong region: Hualong county

Hainan prefecture:

guinan county, Guide county, * * * county, Tongde county and Xinghai county

for thinking:

dulan county, Wulan county, Golmud city and Delingha

sea. There are

four regional types in Jianzha County (15)

Haixi Prefecture: Tianjun

zeku county, Huangnan Prefecture, and Henan County

Yushu County, which is called Duoxian County, Nangqian County, Qumalai County and Zhiduo County.

Guoluo Prefecture: Maqin County, gande county, Dari County, maduo county and banma county. Area)

Area A (45)

Wulanhaote City of Xing 'an League, right-wing middle banner of Keyouqian Banner, Zhalaiteqi of Tuquan County, Horqin District of Tongliao City, Kezuozhong Banner of Kailu County, Kezuohou Banner, Naiman Banner, Hure Banner, Zhalute Banner, Songshan District of Holingol City

. Harqin Banner, Aohan Banner, Ningcheng

Wulanchabu City: Jining, observing Right Front Banner, Fengzhen, Liangcheng County, Zhuozi County, Xinghe County

Hohhot: Suburb, Tumd Zuoqi, Tuoketuo County

Guyang County, Shijie Tumd Right Banner, Jiuyuan District, Baotou City:

Yike Zhaomeng: Dalat. Urad qianqi

Wuhai

type area (36)

Hulunbeier: Hairlar, Manzhouli, Yakeshi, Zhalantun, Allen,

Molidawa Banner, Ewenki Banner

Xilin Gol League: Taibus Banner, Duolun County, monitoring flag, yellow flag, and white flag. Abagaqi

Erenhot, Sunite Right Banner, Xilinhot City

Police Right Banner, Wulanchabu: Police Right Banner, County, Siziwang Banner, Commercial Dehua County

Etuokeqian, Uxin Banner, Hanggin Banner, Bayannaoer League Hanggin Rear Banner

Ikezhao League Zhungeer Banner. Damao Banner

Three areas (11)

Hulunbeier: Genhe, Ergun City, Oroqen Banner, New Baltic Tiger Left Banner

Xinbaerhu Banner

Bayannur League Urad Middle Banner, Urad Back Banner

Alashan League Alashan Left Banner, Cosby, Ejina Banner

. Area)

Area: (16)

Yinchuan City (including Yinchuan City): xingqing district, jinfeng district, Xixia District, Lingwu, Yongning County, Helan County

Shizuishan City (including Shizuishan in Ningxia): Dawukou District, rural benefit of Pingluo County

wuzhong (including Wuzhong): Litong District, Helan County. Tongxin County, Hongsibao Development Zone

Guyuan City (including Guyuan City): Yuanzhou District, Xiji County, Longde County, Jingyuan County, Pengyang County

Haiyuan County of zhongwei

V, Gansu Province (83 counties, cities and districts)

Class A (14)

Honggu of Lanzhou City < Baiyin district, Baiyin city

? Qinzhou District of Tianshui City, Maiji

Xifeng of Qingyang City, Qingcheng of Heshui County, right? County, county

? Kongtong District of Pingliang City, Jingchuan County, Lingtai County and Huating County of Chongxin County

?

type ii (4)

? Yongdeng county, Gaolan county and Yuzhong county in Lanzhou city

? Jiayuguan city

? Jinchuan District, Jinchang City, Yongchang County

? Jingyuan county, Pingchuan district, Baiyin city, and Jingtai county

? Qingshui, Qin 'an, Gangu and Wushan in Tianshui

? Liangzhou district, Wuwei city

? Suzhou district of Jiuquan city, Yumen city and Dunhuang city

? Ganzhou district, Linze county, Taiwan county and Shandan county of Zhangye city

? To anding district in Dingxi City, Lintao County, Zhangxian County, Minxian County, Weiyuan County and Longxi County

? Wudu District, Chengxian, Tanchang, Kangxian, Xianxian, Xihe, Lixian, liangdang county and Huixian in Longnan

? Linxia Hui Autonomous Prefecture Linxia City, Yongjing County

? Category 3 (18)

? Zhangjiachuan Hui Autonomous County, Tianshui City

? Minqin County and Laguna County in Wuwei City

? Jinta County, Jiuquan City, Guazhou County

? Zhangye City: Minle County

? Huan County, Huachi County and Zhenyuan County of Qingyang City

? Pingliang City: Zhuanglang County, Jingning

? Linxia Hui Autonomous Prefecture Linxia County, Kangle County, Guanghe County and Zhenghe

Diebu County, Zhouqu County, Lintan County, Gannan Tibetan Autonomous Prefecture?

？ Four categories (9)

? Tianzhu Tibetan Autonomous County in Wuwei City

Kazak Autonomous County Subei Mongolian Autonomous County in Jiuquan City.

？ Sunan Yugur Autonomous County, Zhangye City

? Linxia Hui Autonomous Prefecture Dongxiang Autonomous County, Jishishan Baoan Dongxiang Salar Autonomous County

? Cooperative city of Gannan Tibetan Autonomous Prefecture, zhuoni, Xiahe County

? (2)

Maqu County, Gannan Tibetan Autonomous Prefecture, luqu

VI, Yunnan (98 counties, cities, districts)

Area A (45)

Kunming: Dongchuan District, Xundian County, Shilin County Luquan

Zhaotong: Shuifu County, Ludian County, Yanjin County, Zhaotong City.

Zhenxiong County, yiliang county, Weixin County

Xuanwei City, Huize County, Fuyuan County, Luoping County, shizong county

Yuxi City: Huaxian County, Yimen County

Shiping County, Honghe Prefecture, Wenshan County, Yanshan County, Qiubei County, luxi county

Simao District, Guang Ningxian: Yuanmou County, Wuding County

Yangbi, Dali Prefecture, Binchuan County, yong ping County, Yunlong County

Baoshan District: Fengqing County, Yunxian County, Lincang County and Yongde County in Changning County

(42)

Qiaojia County, Yongshan County and Suijiang County in Zhaotong City. Honghe County, Lvchun County

Malipo County, Maguan County, Funing County, Xichou County

Jiangcheng County, Lancang County, Menglian County, Mojiang County

Jinghong City, Xishuangbanna, Mengya County

Xiangyun County, Nanjian County, Weishan County, Eryuan County, Jianchuan County and Mojiang County. Ruili City

Zhenkang County in Lincang District

Yongsheng County, Huaping County, Ninglang County and Lijiang County in Lijiang District

Three areas (8)

Simao District: Remittance County in Xilian

Lanping County, Fugong County, Gongshan County and Lushui County in Nujiang Prefecture

Shuangjiang County in Lincang District. Guizhou (66 counties, cities and districts)

Area A (39)

Kaiyang County, xiuwen county County, Xifeng County

Liupanshui City: 6 special zones, Panxian County

Zunyi City: Chishui City, Xishui County, Daozhen County

Anshun City: Puding County

. Pingxian County, Cengong County, Sansui County

Bijie City, Dafang County, qianxi county, Jinsha County, zhijin county

Tongren District: Songtao County, Maruyama Special Shiqian County, Yinjiang County, Sinan County

Xingyi City, Anlong County, Xingren, Zhenfeng, Qinglong County, Pu' an County

Type area (2.