TEL: 0451-8272922
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TEL: 0451-8272922
Payment advantages

, simplicity
civil finance generally need only visit real estate certificates and capacity to repay and sign a contract. Mutual lending

low rates this form is common in civil "help the poor", mostly urban and rural residents, with its own idle funds between individual private entrepreneurs free or paid to lend to each other. Know each other, trust each other and borrowers to meet directly, contract amount, term of the loan, interest, by oral agreement, or ious, for individuals, mainly among relatives and friends of temporary transfers of funds, amounts from hundreds of Yuan to tens of thousands of enterprises from tens of thousands of millions of Yuan, and some private mortgages and even hundreds of millions of Yuan.
civil finance company lending term of loan flexible, there are from time to time, days, months, borrowers and relationships for the better period can be as long as several years. Mutual lending without regard to profits or only slight interest. Civil purpose is mainly to solve the life of the loan, production need.

Second, conditions are relatively low
private loans generally low threshold, is clearly more suitable for small enterprises.
the Fund use efficiency high
period normally appears as a regular Bank loans, private loan can be borrowed, suitable for small businesses using high frequency characteristics.
civil loan company issuing high-interest lending. The main loan financing are individual and private enterprises, based on the relationships and reputation, turnover of financing used in the production of capital. Funds are relatively rich self-employed and small business owners, in the case of no new money, in order to give idle money seeking new "way out" to a number of cash-strapped and desperate need for capital to businesses and individuals to provide high-interest loans. This credit transaction is characterized by high levels of borrowing, and interest rates is the main way private mortgages. According to the principal of the loan, the loan interest rates loan purpose, length of loan, borrowing depending on the extent of acute and sustained, most within the commercial bank interest rates four times in the same period, monthly interest rate from 8 per thousand to 30 per thousand.

three, the cost-saving
due to the private lending saves notarization, authentication, verification, arrived (MS) charge registration procedures, and also saves a hefty broker fee. Private lending and financing these comparative advantages, it allows private financing market is becoming more active.
irregular intermediary lending. These intermediary companies public identity is "investment advice", "investment adviser", "investment management" and "financial management" and "financial adviser" companies, they resort to formal agency financing or informal mediation institutions to rely on private lending. In addition, the civil law of the security company for the enterprise (SME) loan guarantees, private owners, natural persons.

four, funding as needed by
according to the Bank's normal lending procedures, enterprises to get loans from banks to obtain a loan, takes approximately one month, even long-term clients, needs about 10 days at the earliest while Shanghai private loans generally require only 3-5 days or even less time to obtain the required funding.

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