Five Tips For Lending Money

One of the best tips: "Three Goods", carefully select the bank.

The banks will adjust their lending rates according to their actual conditions according to the loan interest rate stipulated by the state.

If some banks still implement the national benchmark interest rate, some banks will go up to varying degrees on the basis of the benchmark interest rate set by the state.

In order to meet the demand for loans, we should do better than three goods.

The same is a loan of 100 thousand yuan, the loan term is one year, one implementation of the benchmark interest rate, a floating interest rate of 20%, if the latter, the year will be more than 1000 yuan interest.

Two of the tricks of the game.

It is also a loan, and the longer the period of choice is, the higher interest rate will be.

If the current short-term loan interest rate is divided into six grades and two grades a year, and the implementation of the half yearly interest rate within six months of the term of the loan, the implementation of the one-year interest rate is less than one year for more than half a year.

Therefore, the loan period just exceeds one interest rate grade point, and the longer the next interest rate grade, the same is the loan, the relative commitment of the loan interest expenses will be greater.

Therefore, when the loan needs to determine the deadline, the fund needs to plan accurately and choose the deadline as soon as possible.

Three: the best way to find out the spread.

At present, the banking sector has several forms of loan management, such as credit, guarantee, mortgage and pledge.

Because these loans are different ways, banks will also have different interest rates when lending interest rates. Similarly, the same period of application and the same amount of loans may result in more loan interest payments if they choose the wrong form of loans.

Therefore, it is very important for the money demand people to pay attention to and find out the interest rate spread under different loan modes when borrowing from the bank.

Four of the best tactics: the loan agreement is signed carefully.

There are two kinds of loan forms commonly used in the company.

When a borrower needs to borrow money from a bank, the bank requires that a portion of the loan principal be retained into the bank's account to restrict the repayment of the principal and interest of the loan.

But for the needs of the capital, because the loan principal has been discounted under the condition that the interest on the loan has not been reduced, the loan interest rate actually paid by the fund demand people is much higher than the loan interest rate signed on the contract.

Interest deduction is withheld.

In order to ensure that the interest on loans can be returned on time, some banks will deduct all the loan interest from the principal of the lender when the loan is issued.

Because of this way, the loan funds of the fund demand people can be reduced relatively. Therefore, the actual borrowing interest rate of the fund demand people is far beyond the scope of the agreement interest rate signed by them, which has objectively increased the financing cost of the capital demand and caused more interest.

For this reason, when the fund demand is in loan, the agreement must be carefully signed.

Five of the tricks of the game: it does not violate the principle and pays back the contract.

In order to reduce loan interest expenses, fund users should ensure the seriousness of the loan contract and repay the principal interest of the loan on time.

It should record in detail every loan, the specific date and the repayment period of the loan, and make sure that Bibi loan has a good idea. In order to repay the capital and interest, it can raise funds in advance and repay it promptly when it needs repayment, so as to avoid breach of contract, so as to avoid the occurrence of bad reputation and the interest penalty imposed by the bank, thereby causing undeserved serious "reputation" and "interest" losses.