Is Fuyuan Financial Loan a Formal Platform?

It is a formal platform. Fuyuan financial loan belongs to the online lending platform, but it belongs to the phenomenon of high interest rate.

At present, there are many platforms that can provide small loans, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. Although the amount of microfinance is lower than other loans, it is very popular because of its fast lending and flexible lending. As long as you choose a regular big platform, and the security of funds and information is guaranteed, you can use it with confidence.

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How to judge whether the loan company is reliable?

1, first look at the company's qualifications.

First of all, the business license name of a regular small loan company must contain the words "small loan", which can be verified by logging in to the credit information publicity system of enterprises in this province. Secondly, regular microfinance companies "only lend and don't save". Finally, you can check the registered capital of the enterprise. If the amount is too small, less than1million, be careful. It's rather suspicious to only fill in the telephone number column without writing a fixed number.

2. Do you charge in advance?

Formal loan companies don't have to pay any fees when they borrow money, but only when they lend money. Don't believe those small companies that ask you to repay in advance with various excuses such as "down payment", handling fee and deposit when applying for a loan.

3, the audit is too loose.

With the development of internet finance, credit testing is becoming more and more relaxed, but those who are too loose, the procedures are too simple, and the loan interest rate is too low to be attractive should be more careful. Generally speaking, no matter how well the advertisement is done, you can only borrow money with your ID card. In fact, in the actual lending process, you will also examine your personal income and credit situation. If you don't need to see anything, you can basically conclude that it is not very reliable.

4. Is the loan interest rate too high?

After choosing a company and avoiding so many loan traps, when you actually place an order and submit an application, you have to look at a serious problem-the loan interest rate. Interest rates are too low to be reliable, and too high is usury. How to judge? The new Private Lending Law stipulates that the annual interest rate of loans is protected within 24%, and it is illegal to exceed 36%. If the interest rate is too high, this kind of microfinance is not reliable.