China Post, immediately, Zhaolian, Kuaiyihua, Diandian, these online loans are good to repay first

1.Do you have 10,000 debts, including cards, all of them are online loan platforms? What I want to say is:

If you have a card, return the card first, and then return the regular platforms such as, Beijing D, branch FB, micro X, China Post, Zhaolian, etc., these platforms have a certain probability of prosecution People have a certain probability of prosecution!

2.Next, you will inevitably be overdue, and you need to face collection, and: the more non-compliant the platform, the greater the collection efforts, you must be psychologically prepared, because they can't sue through formal methods, they can only collect money through tricks!

And that's exactly what happens when the more informal the platform is placed at the end of the repayment! Many people who owe money don't know how to do it, which one urges the most will pay it back first, so that a lot of unjust money will be repaid....

3.How can you tell which platform is compliant? So you need to know how to calculate your true APR!

The country's maximum F stipulates that the monthly interest rate is more than 2 points, and the annualized interest rate is more than 24%, which is non-compliant, and the monthly interest rate is more than 3 points, and the annualized interest rate is more than 36%, which is not in line with F, which is defined as a high x loan, and the excess part does not need to be repaid

4.You don't care about the credit investigation for now, you have to plan your debts now, and according to the size of the responsibility, you have to know which parts can be repaid first and which parts can not be repaid! Your debt is actually not too much, you can get rid of it slowly, and after paying it off, the credit can be restored in 5 years....

Hello, it is a loan on the Internet, their hearts are very high, as long as you take out a loan for which one is the same, but don't go to the road with a card, he is an informal online platform.

It's best to make a change before you expect it, and there is no precedence.

It is better not to borrow money on the software of online loans.

It is to apply for a loan through an online lending platform.

The choice of online loan depends on the background of the platform, if the platform is supported by a well-funded entity, and the staff of the platform have a long time of experience in bank credit, its risk is relatively reduced. If conditions permit, it is best to choose a formal financial institution, and do not be greedy for a small gain and suffer a big loss.

When it comes to online loans, there are a few things to look out for:

1. First of all, formal loans do not need to pay deposit or interest in advance, and the withholding of interest is also a violation of relevant laws and regulations;

2. When choosing an online loan platform, if the other party directly or indirectly asks for the payment of "pre-loan fees", it does not comply with the relevant regulations, and you should be vigilant;

3. Secondly, formal microfinance companies generally do not engage in cross-regional loans;

4. In addition, it is best to understand the real situation of the small loan company behind the platform before taking out a loan to prevent being deceived.

Online lending means lending through an online platform.

Generally, loans are made through banks or loan companies' stores, while online platforms usually do not have stores.

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1. Generally refers to the borrowing of money and things from people, or refers to the debits and credits on the bookkeeping or asset sheet.

Jin Shu Wang Yan Biography": "My father died in Beiping, and he was very generous, and he borrowed money from his relatives, so he gave it up. ”

Barkin's "Lina": "He didn't have the money, so he had to borrow money from the mortgage bank. ”

2. Lend money and goods to others.

Song Yeshi's "Therefore Zhaoqing Army Chengxuan Envoy Chongguo Zhao Gongxing": "The cultivator of the people's industry, the landlord borrows it." ”

Jin Shi Xi Zongji": "In the fourth year of the emperor's reign, in October, he set up a reward for borrowing money from the hungry. ”

P2P online lending, also known as online lending, refers to direct lending between individuals through Internet platforms. It is a subcategory within the Internet Finance (ITFIN) industry.

Online lending includes individual online lending and online small loans. Individual online lending refers to direct lending between individuals through Internet platforms. Direct lending on individual online lending platforms falls within the scope of private lending, and is regulated by laws and regulations such as the Contract Law, the General Principles of the Civil Law, and the relevant judicial interpretations of the Supreme People's Court.

Online micro-loans refer to the micro-loans provided by Internet enterprises to customers through the microfinance companies controlled by them. Online microloans should comply with the existing regulatory regulations of microfinance companies, give full play to the advantages of online loans, and strive to reduce customer financing costs. The online lending business is supervised by the China Banking Regulatory Commission.

Online loans are bond investments, with clear returns, and the lender of funds obtains interest income; The public often confuses it with equity crowdfunding, equity crowdfunding belongs to equity investment, the income is flexible, investors through the capital into the company, to obtain future income, such as Jingbei crowdfunding, 36 krypton, etc. are equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks, investors should fully understand the risks, have sufficient awareness and mental preparation to bear the risks, and judge and bear the risks of the project on their own under this premise.

1.Merit. High annual compound return: The annual interest rate of deposits in ordinary banks is only 3%, and the annual interest rate of wealth management products and trust investments is generally less than 10%, which cannot be compared with the annual interest rate of more than 20% for online loan products.

Simple operation: All the authentication, bookkeeping, clearing and delivery processes of online loans are completed through the network, and both borrowers and borrowers can achieve the purpose of borrowing without leaving home, and the general amount is not high and there is no collateral. It is very convenient for both borrowers and borrowers.

Pioneering thinking: Online lending has promoted the interaction between industry and finance, and has also changed the vision of the loan company, the context of thinking, the credit culture and the development strategy, and broken the original lending situation.

2.Shortcoming. Unsecured, high interest rate, high risk: Compared with traditional loan methods, online loans are completely unsecured loans. And, the central bank has repeatedly made it clear:

The compound annual interest rate is more than 4 times the bank interest rate and is not protected by law. It also increases the high risk of online loans (generally 7 times or even higher than the bank interest rate).

credit risk; The inherent capital of online lending platforms is small, and they cannot afford large amounts of guarantees, and it is difficult to solve the problem of large loans once they occur. Moreover, some borrowers also take out loans for the purpose of fraud, and some of the purposes of the creators of the loan platform are not pure, and there are frequent cases of fleeing with money.

Lack of effective regulatory means: Since online lending is a new type of financing, the central bank and the CBRC do not yet have clear laws and regulations to guide online lending. For online lending, the regulator mainly has a neutral attitude, and does not violate the rules and does not approve it.

However, with the prevalence of online lending, it is believed that the relevant measures will be formulated and implemented in a timely manner.

What are the requirements for a personal line of credit?

1. Chinese citizens who have a fixed residence in China, have a permanent residence in a local town, and have full capacity for civil conduct;

2. Have a good job with a proper and stable economic income, and have the ability to repay the principal and interest of the loan on time;

3. Abide by laws and regulations, no illegal acts and bad credit records;

4. Obtain A- grade (inclusive) or above personal credit rating in ICBC;

5. Open a personal settlement account in ICBC;

6. Other conditions stipulated by the bank.

Online Loans!

Generally, it is better not to touch it.

Online loans, it's better not to sign up for nothing.

It means to apply for a loan for you through some platforms! For example, Ping An Easy Loan, Paipai Loan, and so on.

The competent units of the lending companies are: the China Banking Regulatory Commission and the People's Bank of China.

In May 2008, the China Banking Regulatory Commission (CBRC) and the People's Bank of China (PBoC) jointly issued the Guiding Opinions on the Pilot Program of Microfinance Companies, which clarified the nature of microfinance companies. A microfinance company is a limited liability company or a stock company invested and established by natural persons, enterprise legal persons and other social organizations, which does not absorb deposits from the public and operates microfinance business. A microfinance company is an enterprise legal person and bears civil liability for its debts with the property of the legal person.

Microfinance companies shall implement the state's financial guidelines and policies, and carry out business within the scope prescribed by laws and regulations in accordance with the principles of self-management, self-responsibility for profits and losses, self-restraint and self-risking, and their legitimate business activities shall be protected by law and shall not be interfered with by any unit or individual.

The China Securities Regulatory Commission is responsible for the supervision and management of equity crowdfunding financing and Internet ** sales; The China Banking Regulatory Commission (CBRC) is responsible for the supervision and management of online lending, including individual online lending and online small loans, as well as Internet trusts and Internet consumer finance.

Now the Internet is maliciously dunning, looking for ** complaints?

The risk of online loans is too high, the interest is also high, and it is easy to roll over the interest, if you want to take out a loan, it is recommended to go to the bank.