How harmful is online lending? Beg!!

It is the informal company that harms people, and what hurts people more is their own hearts, some people have limited ability to only gnaw 3 steamed buns, and they want to eat 10, and the results can be imagined.

Applying for an online loan at will have very serious consequences for one's life and credit situation.

1. The interest rate is high, and it is easy to form bad debts and overdue;

2. Online loan collection affects daily life;

3. The credit of online loans is easily affected, and bank loans are affected after the formation of black accounts.

Once the online loan credit is blacklisted, it will have a very big impact on the daily life of applying for loans.

There are too many, and the state has already intervened to strike.

Real online loan companies are not scary and may be bruised. If it's messy, at least peel off the skin.

Most online loans are usury, and this should be clearly recognized. Although supervision has been strengthened and some relatively formal platforms have adjusted their lending rates, they are still floating around 36% annualized interest rates.

In order to reduce the risk, the repayment method is often designed to be similar to the credit card installment, looking at the annual interest rate of about 10%, and the real interest rate is basically not less than 30%.

I think there are a lot of people who have been victimized by online loans. Some people choose to take out a loan online because of something, but they don't know that this is often the real fatality.

Or every time they can't repay the loan, they may be blacklisted in things like ID cards, but they will also encounter obstacles when completing other things;

Of course, many people will choose online loans, but also because they have encountered great difficulties in life, in my opinion, no matter what kind of difficulties they encounter, don't think about online loans, even if they ask others to borrow money, it is like an online loan, the interest rate of borrowing money is not as high as online loans, some people borrow money just for a small fight, and online loans are a loss of bankruptcy.

Online loan is a very dangerous thing, he will push people into a desperate situation, let people lose the road and opportunities after the online loan, after the interest rate rises in the future, when people are not on it, the system will pull your ID card into the blacklist, when you want to go anywhere, just because the ID card is blacklisted, normal travel may encounter great obstacles, such as college students, because the online loan may be subject to some colored glasses and be questioned, and may also be because of the online loan and the university application can not be passed.

Actually, there are a lot of people. These people generally have a low ebb of "uncertainty" in online lending. Although online loans are convenient, online loans are very risky. In serious cases, it may also cause "personal dishonesty".

Many people, because the interest rate of online loans is very high, and the collection is also very powerful, so many people have been harmed by online loans.

At least hundreds of thousands of people have been killed, because the current social prices are too high, and many people are very short of money, so they will choose online loans.

If you don't repay online loans, your credit will not only be damaged, but you will also be included in the "blacklist" system and affect your personal credit.

1. The interest rate is high, and some are even usury, and now most of the online loan interest rates are very high, and the relatively low interest rate is also in the monthly interest, which is even far higher than the interest rate of 4 times the LPR of the current year.

2. The repayment pressure of the short period is high, which is easy to cause the borrower to be overdue, and most of the online loans have a loan term of one month, which is very difficult for most customers, which often causes the borrower's income to repay the ratio is very high, resulting in easy overdue.

3. Routine loans (high liquidated damages, cut interest, management fees), many online loans are inclusive of routines, involving interest rate hikes in the name of cut interest, high prepayment liquidated damages, management fees and insurance premiums.

To be honest, online loans are still harmful. It is precisely because of the existence of ** that many people feel that this money is too easy. Eventually, it gets deeper and harder. The idea of water being consumed ahead of time is problematic in itself. Or it needs to be controlled.

Online loans are helpful to those who need money urgently, and it is harmful to those who are not doing their jobs, because of the convenience of online loans, those who are not doing their jobs are convenient, they only think about how much to borrow, and they don't think about how high the interest rate of online loans is.