What do you think of those online loans?

Online lending is a parasite in the society harmful moths, the national regulatory departments settled, can not keep up with the pace of social development, this can only be said that the current work efficiency of the relevant departments has been very low, the rise of online lending is because it is profitable, so there are people to do new things, the law is blank, some people have gone to the gray area.

Campus online loans are interested in the strong purchasing power of college students, and the serious mismatch between purchasing power and capital is very easy to lead to blind comparison and face-saving consumption. In principle, campus online loans only issue small loans, but the uncontrolled interest drive makes the online loan company lend if it has a loan, with a posture of "you want to die, I will give you a ride", anyway, in the end, your parents will pay, what am I afraid of?

A certain girl borrowed thousands of dollars to repay tens of thousands of dollars and so on, so everyone had some misunderstandings about online loans, making everyone think that online loans were a harmful thing. Of course, everything is good and bad, for example, people are the same, so don't look at a good person with the eyes of a bad person. In general; There are all black sheep, and they can't be managed!

Everyone has their own opinion on the existence of online loans. Today, society seems to be prosperous, but in fact, there are injustices everywhere. Online lending is the epitome of injustice, and how many people have lost their families and even lost their lives because of it.

The online loan platform is to bully the soft and fear the hard, and there is no way to do anything about the old man who is determined not to repay the money. They put all their energy on those soft persimmons, all kinds of intimidation, threats, to say that the huge profits are also connived at by these soft persimmons, imagine if everyone works together to comply with the interest, see if they dare to lend money.

I strongly discourage this kind of behavior of online lending, because it not only harms some young people, but also seriously affects the social atmosphere and makes some young people go down the road of breaking the law and committing crimes.

Campus online loans induce students to consume maliciously, deliberately relax loan conditions, and even lend as long as they borrow a student ID card, and the management of campus online loans has almost reached a state of loss of control and disorder.

It is natural to borrow money to repay money, and if you don't pay it back, it's shit", "Is this a chaotic image of society? Society is progressing, but people's hearts are regressing. My Chinese tradition since ancient times, but it has been destroyed by some unscrupulous people", "Don't you have to pay back the money you borrowed"?

I think that online loans must not be loaned, it is very unreliable, and sometimes it will ruin the family, so you must be careful and cautious.

You fancy my interest, but you don't know that I am coveting your principal", "because I was violently collected, I don't have to pay back, and the mental damage fee is more than the borrowed money", etc.

Since the operation, I have written a lot of articles about online loans, and I have carefully read every comment. What impressed me the most was that users were promoting the practice of "not paying back the money owed". I believe that in the eyes of many people who have not been exposed to online loans, this is all nonsensical.

There are good and bad online loans, and bad online loans generally refer to online loans with extremely high risks or violations. Here are some possible types of bad online loans:

1.High-interest online loans: High-interest online loans usually charge very high interest rates, even exceeding the statutory interest rate, which can easily trap borrowers into debt traps that cannot be repaid.

2.Violent collection of online loans: Violent collection of online loans refers to online loans that use threats, intimidation, harassment and other means to force borrowers to repay loans. It not only violates the loan contract, but also infringes on the legitimate rights and interests of the borrower.

3.Overdue: Overdue: An overdue online loan refers to an online loan that is overdue for repayment or exceeds the repayment period agreed in the contract. Not only will the borrower's credit history be damaged, but it may also face risks such as legal action and asset seizure.

If you don't repay your online loan, the situation can be serious. Here are some of the possible consequences:

1.Damaged credit history: If you do not repay your online loan, your credit history will be damaged, which will affect your future borrowing and credit assessment.

2.Debt collection: Online loan companies will collect debts through various methods, including **, text messages, emails, door-to-door collection, etc.

3.Legal action: If the overdue repayment period is too long, the online loan company may use legal means to recover the debt.

4.Assets seized: If the borrower owns property such as real estate and vehicles, the online lending company may seize these assets through legal means.

In short, non-performing online loans will bring great risks and losses to borrowers, so it is recommended to carefully understand the qualifications and reputation of the online loan public deeds leasing company before borrowing, so as to avoid falling into the trap of non-performing online loans. If you have already borrowed, be sure to repay the loan on time to avoid unnecessary risks and consequences.

I have had a lot of questions about online loan products and have some understanding of online loan products.

I don't know what you want to ask about online loan products, if you have never applied for online loan products, I suggest you stay away from this type of product, because online loan products basically have routines, and some online loan products have even reached the level of loan sharks. If you have already applied for an online loan product, I recommend that you go ashore as soon as possible and repay all the outstanding amounts in one lump sum to avoid further impact on the online loan product.

1. What is an online loan product?

The online loan products we often talk about are generally credit loan products, which do not require users to have any collateral. Before the Internet era, online loan products were basically private small loans, which you can also understand as non-performing loans with the nature of usury. However, because it is now the Internet era, online loan products have become so-called Internet financial products, but in fact, the essence of these online loan products has not changed.

Second, the interest rate of online loan products is very high.

Compared with formal bank loans, the interest rate of bank loans can be as low as 3%, and the interest rate of credit loans is only about 10%. However, for online loan products, the interest rate of online loan products can easily reach 20%, and the maximum can reach almost 100%. Users are already short of money, and after users apply for online loan products, many users cannot pay the money, and will eventually be violently collected by online loan companies, and their lives will be seriously affected.

3. Online loan products will affect the user's personal credit reporting.

Regardless of whether the user has applied for an online loan product or not, as long as there is an inquiry record of the online loan product in the user's personal credit report, the bank will directly reject the user when the user applies for formal banking business. In the case of banks, banks will judge this behavior as a serious lack of cash flow for users. If you are thinking about your future credit life, you should stay away from all online loan products, and do not affect your normal business because of these products.

In other words, staying away from online loan products is the beginning of credit health! <>

I have some understanding of online loans, but online loans are really very harmful, if you use online loans, the interest rate is very high, and it will also affect your credit, and you will be forced by online loans There is no way, so don't touch online loans.

I didn't understand it, because I didn't really need online loans, and I felt that online loans were also risky, so I never touched online loans.

Of course I do. Nowadays, there are many online loan platforms, and they are diverse and varied, so we must choose a regular ** platform, do not borrow usury, must repay in time, and never overdue.

What is an online loan? In fact, online loan is an abbreviation, that is, "online loan", as the name suggests, it is understood that the loan is realized through the Internet platform, and you can get the money without going out, and the entire loan process is completed, which is much more efficient and convenient than the traditional bank branch loan. So, what platform is an online lending platform?

Here are a few brief introductions.

1. Have money to spend

Brand, Du Xiaoman Finance, ** You can apply for a loan if you have money to spend or Du Xiaoman app, fill in the information - get the quota - approve the account, the fastest 1 minute, the maximum loan amount is 200,000, and the annualized interest rate is as low as the start.

IOUs

360 brand background, a subsidiary of 360 Digital Technology, can directly search for loans on the 360 IOU app or WeChat applet, identity authentication, activation limit, approval and disbursement, generally within 2 hours, up to 200,000 loans, and the daily interest rate is as low as low.

3. Jingdong gold bars

JD Finance, you can not only apply for the JD Finance APP, but also from the entrance of the JD shopping platform, **application, simple three steps, the fastest 10 seconds after approval, and the annualized interest rate is as low as the maximum loan amount of 200,000.

4. Ants borrow

Ant Group, with a strong background, the platform entrance is on Alipay, and only this entrance, does not support other manual forced opening, the loan amount ranges from 1,000 yuan to 200,000 yuan, click Alipay - mine - borrow - get the limit - go to borrow money - choose how much to borrow, how long to borrow and how to borrow to complete the loan.

5. Micro loans

Tencent's subsidiary, WeBank launched the online loan product, the application entrance is only placed on WeChat and QQ, open WeChat-My-WeLoan Loan-View My Limit-Click to borrow, select the specific loan content, confirm that the loan can be disbursed, the whole process is as fast as a few minutes, and the daily interest rate ranges from 500 yuan to 200,000 yuan.

In addition to the improvement of the economic level, there are also many ways to consume in advance, at the beginning of the credit card, and later after the popularity of mobile phone payment, there are also various online loans have appeared in our lives.

Although these things can reduce the pressure of our lives to a certain extent, and they can also save when we encounter emergencies, there are also many online loans that are not as formal as we imagined.

Not to mention anything else, the collection of the platform has already made many debtors unbearable. And although many online loans are not credit-based, online loan records will remain in the big data of online loans. If the overdue is overdue on one platform, the overdue record will be shared with the big data, and the borrower's overdue record can be seen on other platforms that join the big data, which will have an impact on the later credit business.

The online loan big data report is obtained from the total number of Liyou Shufu, which contains information such as online loan history, online loan overdue details, debt status, dishonesty information, and online loan blacklist.

And now many online loans hide a lot of tricks and are not legal, so you must avoid these when using online loans:

The first type of online loan: 714 borrowing platform, this one is not the name of the borrowing platform, but the collective name of the platform for repayment in 7 to 14 days, such as this kind of borrowing platform, the general amount is about 1000 yuan to 2000 yuan, it seems that the amount is not high, the term is relatively short, and it is most suitable for emergency people, after all, many times people lack one or two thousand yuan in the later days can make up, and subconsciously think that the term of the loan is not long anyway, so the interest on the loan is definitely not high. If you think so, then you are wrong, the interest rate of this kind of platform is high and scary, if you meet the kind of users who continue to borrow to make up for the west wall, it is most likely to owe a lot of debt, so it is better to use less money on this kind of borrowing platform.

The second type of online loan: the service fee is deducted from the loan. Now there are many platforms under the guise of low interest, and then attract a lot of users who are in urgent need of money to borrow money, and this kind of platform has to deduct a service fee every time you borrow, that is, if you borrow 1000 yuan, you will have to deduct the service fee of 50 yuan, and when you get it, it is only 950 yuan, but you still need to repay 1000 yuan when you repay.

On the surface, the service fee will be returned to you after repayment, but in fact, it will not be returned to you in the end, and some excessive will try to make you overdue, not only overcharging your service fee, but also charging overdue interest fees, which is really a pit, so we should also be cautious about this one, don't be deceived by low interest, but it's just a disguise, and the service fee is already very high.

As we all know, when the funds on hand are insufficient, you can choose to go to the bank to apply for a loan, and there are also some private financial institutions to provide loan products for users. However, of all loans, bank loans have the lowest interest rates. Since bank loans have the lowest interest rates, why are there so many online loans now?

The root cause turned out to be like this!

Why are there so many online loans now?

1. Publicity issues

The level of information that each user is exposed to is different, and it is extremely difficult for borrowers to obtain accurate and comprehensive loan business details from banks or other licensed institutions due to social circles, industries, education levels, personal connections, etc. In addition, the overwhelming online loan advertisements on various social apps are very inducing, so that many people unconsciously click into it, and even the first loan becomes an online loan.

2. Personal qualifications

Most borrowers are unable to meet the bank's application qualifications due to issues such as social security, provident fund, punch-in salary, and credit investigation.

This rigidity has a lot to do with the borrower's work unit and position; There are also soft factors, which are closely related to the common sense of loans owned by individuals and the habits of long-term use of credit cards and loans. Developing good credit information maintenance habits can be improved.

3. Loan application process

To apply for a loan at a bank, the borrower often needs to apply offline, and also prepare various materials in advance. However, online loans do not even need the borrower's **app, you only need to fill in your basic personal information, upload the front and back of your ID card**, etc., and you can get a loan amount immediately.

In addition, there are some borrowers who are induced by online loan advertisements to fill in the information directly, often lack the correct knowledge of loan knowledge, and fill in the online loan application without understanding the online loan.