Private lending attention to the eight, Zhengzhou

Private lending in Zhengzhou road is the first of many business and personal loans, as convenient, you can quickly solve the problem of funds, but private lending should pay attention to several problems in Zhengzhou, don't let their interests be jeopardized. Zhengzhou borrowing under the following bangteng summarize for everyone to pay attention to the eight
 , pay attention to credibility and solvency of the borrower. First of all to look each other in the fixed assets, income, and so on, to determine whether it has the ability to repay. &Nbsp;     
Second, there should be a loan contract or promissory note. When borrowing, do not take into account human feelings, relationships, and other factors, be sure to allow borrowers to include contract or promissory note and clearly state the borrower, loan amount, purpose, interest rate and repayment time, content, signed, each party holds one copy kept. &Nbsp;     
III, for larger amounts, performance guarantee and mortgage processing. For security reasons, for large loans are best handled by people looking for a certain economic strength of guarantor or guarantees and, if necessary, can also allow borrowers to CDs, bonds, vehicles, real estate, personal property as collateral, and perfecting the guarantee or mortgage formalities. &Nbsp;     
borrowing four, borrowers should be legal. Knowing that the borrower is to gambling, illegal activities such as drug trafficking and addiction while borrowing, State law does not protect. &Nbsp;     
v, borrowing rate should be reasonable and lawful. China's Supreme People's Court concerning the trial of cases of borrowing the opinions article sixth, lending rates may be appropriate above the bank rate, but shall not exceed a maximum loan interest rate four times. Meanwhile, interest shall not be included in calculating compound interest in principal, it is often said that the "arbitrage", the excess of interest and compound interest is not protected by law. Therefore, the loan negotiation of rates should be within the acceptable range. &Nbsp;      VI note repayments. General principles of the civil law provides: "the Court for protection of civil rights for 2 years. "In other words, lent money to the agreed repayment period, protected by law within two years, more than two years are no longer protected by law. According to this provision, the creditor may take the form of collection or update the IOU, maintenance of legal claims. &Nbsp;     
seven, the application of the law to recover debts. If the borrower does not talk about credibility, escape account default, the creditor must not take seized hostages and robbed goods such as extreme violation, to correctly use legal weapons to safeguard their legitimate rights and interests. If necessary, the Court may impose enforcement measures. &Nbsp;    
eight, beware of "illegal fund-raising" lending practices. Some individual businesses or business people covet high mental, throw sharks bait in the same region or between the familiar underground illegal fund-raising. Operators of such funds is not excessive spending, unable to pay, is still easily, rolling and escape, so devoid of creditors. This deterioration of lending risk, should draw everyone's attention. BACK
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