I saw that many people in the financial forum recommended the Pterodactyl loan, is the Pterodactyl l

I use the Pterodactyl Loan for financial management, I think it is more reliable than the financial management platform I have used before, and the platform has Lenovo endorsement, so our principal and interest can be better protected. Funds are held in escrow through a third party, which greatly increases the security and transparency of funds. If you are a novice financial manager, I recommend you try the new Wing Loong Loan, which can earn income and learn more financial knowledge at the same time, so as to kill two birds with one stone.

If you need to invest in wealth management, recommend ABC wealth management products, and purchase ABC wealth management products according to your own investment preferences, risk tolerance, capital liquidity, etc., you can enter the homepage of China Merchants Bank, click "Personal Service-Investment and Wealth Management-Bank Wealth Management", and filter the product information you need according to your needs.

Since May 27, 2016, the personal online banking and palm banking channel "Kuaiyibao" has been renamed as "ABC Kuaiebao", and the contracted product has been changed to "ABC Dividend Daily Settlement A (000907)", and the contract is signed with the first business, that is, the first business is signed at the same time, and the functions of regular investment, intelligent regular investment, combination, and quick redemption are opened.

The new product supports T+0 real-time redemption, daily settlement of income, and supports the setting of automatic balance transfer, linked credit card and personal loan transfer, and the minimum value of the minimum retention amount is 100 yuan.

The counter contract is still the old "Kuaiyibao", and you need to terminate the old product before you can sign the new product "ABC Kuaiyi eBao".

How to set up the quick e-treasure business in the personal palm bank: enter the personal palm bank, select "Investment" - "ABC fast e-treasure", and click the setting icon in the upper right corner of the home page to enter the setting homepage. You can cancel the contract of "ABC Express e-Bao", change the bound mobile phone number, enable the automatic transfer in of the balance of the closed balance, and turn off the automatic transfer out.

Pterodactyl Loan is a P2P platform, and its reliability can be analyzed from the following aspects:

1. Platform strength: Founded in 2005 with a paid-in capital of 100000000, it belongs to a relatively old flat side cover.

2. Bank depository: Xiamen Bank has been launched as a depository bank, and the platform cannot directly contact the funds.

3. Filing status: The filing is in progress, and the filing has not been completed for the time being.

4. Product income: Novice Min Ku exclusive expected annualized interest rate of 10%, Yinong Hui enjoy the expected annualized interest rate, and Yinong plan expected annualized interest rate.

5. Operation: The platform is still operating normally, and there is no negative news for the time being.

Loan process: 1. Enter "My Account" - I want to borrow "- I want to borrow", click "Qualification Verification", go through mobile phone authentication and ID card, and become a borrower after borrowing and learning.

2. Fill in the loan amount, detailed reason for borrowing and borrowing details, and you can publish the loan online.

3. After the loan progress is 100% completed, the personal information will enter the final review, (you may need to upload some necessary information during the period). If the identity is met and the review is passed, the loan will be transferred to the account. At the same time, the system automatically generates an electronic IOU and emails it to borrowers and borrowers.

4. For the sake of good credit, please repay on time, and the system will send a repayment reminder in advance.

Loan interest: According to the official website of Wing Loong Loan, the interest rate of private loans can be appropriately higher than the interest rate of banks, and the local people's courts can grasp it according to the actual situation of the region, but the maximum shall not exceed four times the interest rate of similar loans of banks (including the interest rate principal). If this limit is exceeded, the interest on the excess part shall not be protected.

Loan conditions: 1. Age: 22-60 years old (inclusive).

2. Income requirements: (employed persons) with a monthly income of more than 2,000 yuan, and bank statements for the past 3 months are required. (Self-employed) monthly business flow of more than 20,000 yuan, need to provide bank statement for the past 3 months.

3. Working years: more than 6 months of continuous work in the current unit.

4. Asset requirements: You need to provide your (family member) Nanjing local real estate certificate, land certificate or your (family member) driving license.

5. Other requirements: A family member is required to be present to sign.

5. The loan amount is slightly lower than the personal credit limit;

To determine whether it is usury, it should be analyzed through its specific interest rate.

Private lending is a civil act, which is subject to the constraints and protection of civil law and contract law.

However, according to Article 211 of the Contract Law, "if the loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the relevant provisions of the state on restricting the interest rate of the loan".

According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases, if the interest rate agreed between the borrower and the borrower does not exceed 24% per annum, the lender has the right to request the borrower to pay interest at the agreed interest rate. However, if the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest in excess of 36% per annum shall be deemed invalid.

Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases

Article 26: Where the interest rate agreed upon by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

If the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest agreement on the excess part shall be invalid. Where the borrower requests the lender to return the interest paid in excess of 36% of the annual interest rate, the people's court shall support it.

It is not considered a P2P online loan.

Interest rates are much lower than those of loan sharks.

Summary. Dear, I'm glad to answer for you: Pterodactyl Loan is not legal, and the platform has been subject to a rectification notice decision in accordance with the law because the loan interest rate is higher than the normal interest rate of 36%.

The illegal Pterodactyl loan means that the interest is too high so it is not legal, but as long as the loan is successful, the overdue repayment can be sued to the court, not that it is not illegal and does not need to be repaid, after the lawsuit, the court requires the repayment of the principal and no more than 36% of the interest of the state, and the interest that exceeds the national standard is illegal and does not need to be repaid, and the principal and 36% of the interest required by the state need to be repaid.

Dear, I'm glad to answer for you: The Pterodactyl loan is not legal, and the platform has been subject to a rectification notice decision in accordance with the law because the loan interest rate is higher than the normal interest rate of 36%. The illegal pterodactyl loan means that the interest is too high so it is not legal, but as long as the loan is successful, the overdue repayment can be sued to the court, not that it is not illegal to repay, after the lawsuit, the court requires the repayment of the principal and does not carry more than 36% of the interest of the state, the interest that exceeds the national standard is illegal and does not need to be repaid, and the principal and 36% of the interest required by the state need to be repaid.

Legal basis: (1) Article 90 of the General Principles of the People's Republic of China and the Civil Law stipulates that the lawful lending relationship is protected by law.

2) Article 211 of the Contract Law stipulates that if the loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the provisions of the state on restricting the interest rate of the loan. (3) Article 53 of the Guarantee Law of the People's Republic of China stipulates:

If the mortgagee has not been repaid upon the expiration of the debt performance period, it may agree with the mortgagor to discount the value of the mortgage or to be repaid at the price obtained from the auction or sale of the mortgage; If the agreement fails, the mortgagee may file a lawsuit with the people's court. Article 198 of the Contract Law stipulates that the lender may require the borrower to provide security when entering into a loan contract.

Borrow 100,000 yuan, and the account is less than 90,000, how to deal with this.

The black platform deducts your handling fee. The 100,000 level loan will deduct various handling fees.

The interest charged is very high, and the court will repay the amount you have received, and the 36% interest stipulated by the state.

I've taken out a loan several times, how did I calculate it before.

How to calculate according to the records of each loan you have a record, and the transfer record can be queried by the court.

The last time I didn't pay attention for two or three years, now there is a lawsuit, and it's been five or six years now.

The court of action will check all the records and finally compensate the principal amount and state interest for the transfer. The excess interest does not need to be compensated.

Can you ** contact.

We are an online lawyer, and the company stipulates that you can't stay**, you can call directly now, and we pay for one-on-one consultation.

If you pay for a paid consultation, you can call me, and after you pay, I can also call here.

The analysis I told you is clear.

I have something to do right now, I'll be in touch later.

Okay, yes. <>

Pterodactyl Loan belongs to Beijing City Pterodactyl Network Technology Co., Ltd., which is a member of Legend Holdings, and it focuses on the Internet financial platform of "agriculture, agriculture, and agriculture". At present, the Wing Loong loan business has covered more than 1,200 districts and counties and tens of thousands of villages and towns across the country, helping nearly 480,000 "three rural" families, individual industrial and commercial households and small and micro enterprises to obtain effective financial support.

The products launched by Wing Loong Loan include Exclusive for Beginners, Wing Farmer Plan, Sesame Blossom, Private Customization, and Wing Farmer Benefit; Different products have different rules. For example, there are two types of products for beginners: 30 days of product term and 10% expected annualized interest rate and 90 product term and expected annualized interest rate. The minimum investment amount is 100 yuan and increases in positive integer multiples of 100.

The Yinong plan starts at 100 yuan, and the purchase amount increases by an integer multiple of 100, with a term of 30 days, 90 days, 180 days, 365 days, 730 days, 1096 days, etc.; Interest will be calculated 24 hours after the issuance, and interest will be paid on the next day after the interest is calculated, and interest will be paid daily; The expected annualized income seen by the user has been deducted from the management service fee.

When borrowing money on the platform, the platform transaction service fee will be charged, which is different for different products, such as the service fee of Yi Agricultural Loan is 4%-10%, the service fee of Yi Enterprise Loan is in, and the service fee of Xin Agricultural Loan is 5%-13%; Do not be overdue when borrowing on this platform, otherwise the platform will charge overdue collection fees, overdue interest liquidated damages and overdue principal liquidated damages.