Don't be "trapped" by it. Private lending is prevalent. Why do not many people choose formal loans?

For most people in business, we hope that we can have a stable job, and many people's first choice of problem is also our civil servants, career construction units, but the development of the financial services industry is also one of the 還卡數industries that affect people's favor, not only decent, income level is also relatively high, so in order to attract a large number of people into the industry, it is not difficult to find that today's domestic economic market The number of financial practitioners to carry out is also relatively high.

But in the private sector, there is such a group, their main priority, loans, to help those who lack money to solve the problem of money, this group of people is also known as "professional bank", but when it comes to private loans, many people 借貸first think of usury, "conventional", that is not very Formal, but not so, so the development of private loans today?

In the minds of many people the impression of professional lenders is not very good in fact, private lending has been developed for many years with the rapid development of the financial industry has attracted a large number of people into the industry. As this industry is not much of a threshold, private lending orderly, lack of rules, bottom line, rather than some unscrupulous means, violence, threats, etc.. 成立海外公司 But generally professional lenders do not constitute a crime, as long as the relevant legal provisions can.

First of all, the so-called "loan shark" is actually a common folk name. There is no special document or legal regulation to explain what usury is, but from the judicial interpretation of the Supreme Court, the annual interest rate of private loans can not exceed twenty-four percent, and the excess is not supported by the court.

A so-called professional moneylender is a person who earns a certain amount of interest and income by borrowing from individuals and entities and earns a living by doing so as a profession. In other words, it is actually a person who lends out his money and makes money by charging interest.

In other words, not all of our professional moneylenders are through loan sharks, because a loan shark emphasizes the interest rate, as long as the market interest rate can be appropriate, and does not affect to cause economic crime, but for the corporate part of the professional moneylenders, the emphasis is on regular mortgage, generally in this case, will charge a relatively high interest rate, so this is the reason why many people in China do not always confuse professional moneylenders and usury confused with usury is one of the main problem cause factors.

Look at the benchmark interest rate for bank loans, the interest rate is about 5%, in fact, compared with other financial institutions loan interest rates, bank interest rates are relatively low, but for professional banks, if also according to the bank charged interest rate loans, professional loans is impossible to borrow money to make a living, because the interest rate, it is difficult to meet the income needs of professional banks.

Some industry insiders said that as the financial sector continues to tighten, private lending shows a rising trend, for the general public, even if you need money, you should choose a formal institution. Or banks can lend instead of these private loans to protect their legitimate rights and interests. We can't be "trapped" by private loans, otherwise we will only get deeper and deeper into it. But private lending also has certain advantages. Although the interest rate is high, but generally does not affect the credit. So, what do you think about private loans? Feel free to leave your comments in the comment box.

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