Is it okay to borrow 8000, is it legal to borrow 4000 for a year with interest of 800

Yes, the flowering quota is fine.

If you need to apply for a small cash loan, China Merchants Bank has a flash loan business, which can be applied for through mobile banking or check whether you are eligible to apply.

1. After the flash loan is disbursed, cash will be issued in the designated account, and the funds can only be used for normal bulk consumption and transfer, and cannot be invested, flowed into **, real estate and other directions.

2. If you have a CMB savings card, you can log in to the mobile banking and click "My All Borrow Money Flash Loan" to apply for a flash loan. Your specific quota will be approved according to your business situation in China Merchants Bank, and you can view it if your application is successful.

3. The provisions on the amount of flash loans are different for different types, and the maximum credit line is not more than 300,000 yuan, which is subject to the display on the loan page. If you have been eligible for a flash loan, you can log in to the "Flash Loan" module of China Merchants Bank mobile banking app or online banking to check your maximum application amount, with a minimum withdrawal amount of RMB 1,000 and a maximum of the quota amount, and an integer multiple of 1,000.

4. There are two types of loans that can be applied for within the flash loan limit:

1) 15 minutes loan disbursement will be automatically approved within 5-10 minutes, and the loan will be disbursed immediately after approval, and the result will be notified by SMS.

2) Loan disbursement on T+1 day, there will be a call from the electric core ** to verify within T+1 day, and arrange the loan after confirming the information. If you do not answer the contact 3 times, the application will fail and you will need to apply again.

When the amount of flash loan is established, there will be a check record on the credit report. If you only successfully establish a quota but do not withdraw money: there will be no quota record in the credit report; For each subsequent withdrawal, there will be a loan record in the credit report.

Legal analysis: borrowing 4000 a year interest 800 is legal. Although the interest rate on this loan is not high, it is still okay; Therefore, maintain a good relationship with the borrower and beware of the borrower's non-repayment to avoid fraud.

Legal basis: Civil Code of the People's Republic of China

Article 387:Where a creditor needs security in order to ensure the realization of its creditor's rights in civil activities such as lending or trading, it may create a security interest in accordance with the provisions of this Law and other laws. Where a third party provides security to the creditor for the debtor, the debtor may be required to provide a counter-guarantee. Counter-guarantees shall be governed by the provisions of this Law and other laws.

Article 713 The lessee may request the lessor to repair the leased property within a reasonable period of time when the leased property needs to be repaired. If the lessor fails to perform the maintenance obligation, the lessee may repair it by itself, and the maintenance cost shall be borne by the lessor. If the use of the leased property is affected by the maintenance of the leased property, the rent shall be reduced or the lease term shall be extended accordingly.

If the leased property needs to be repaired due to the fault of the lessee, the lessor shall not bear the maintenance obligation provided for in the preceding paragraph.

You don't have a big amount, just open a credit card, the limit generally starts at 20,000, and you can pay in installments of 10%. If you don't use it in the future, you can log it out.

If you don't consider human feelings, such as credit cards, borrowing, micro loans, and then all kinds of online loans, but it is recommended to find a loan, because the bank knows about credit card cash, which is not conducive to handling other big loans in the future.

It is generally easy to apply for a credit card for 10,000 now.

Offline and online are these two channels.

Is it a credit reuzen loan? Slippery credit loans are basically repaid in equal amounts of principal and interest. 8000 12 = 666 This is the principal amount of each month's letter file. The interest is the same every month, 8000 per month. Is the monthly repayment amount the principal? Interest.

Send a message. That will reduce your embarrassment, and you will just say borrow some money. Useful.

Needless to say, nothing else. Men generally don't have so many problems. If you have money, you will definitely lend it to your woman, and you will say that the recent financial situation is not very good.

Or maybe you need to learn something. But there is no money, etc. Look at your girlfriend and you're not close anymore.

If it's close, you don't need to talk so much nonsense. If you're not close, don't open that mouth. Sixty percent of them will not be borrowed.

Preferably someone who knows you well. Or a long relationship with friends. It's easier to know each other.

If you ask your dad to borrow it, you may lend it to you, but no one else will borrow it.

Legal analysis: The annualized interest rate of the loan is protected by law within 24, and the law does not support the rollover of interest, and various expenses (including interest) during the overdue period cannot exceed the annualized interest rate of 24 even if there is a clear agreement.

In addition, you need to be cautious when choosing an online loan, and pay attention to:

1. Choose well-known banks and financial institutions. Well-known banks are guaranteed and have a relatively high degree of credibility.

2. Don't be fooled by "no interest". There is no such thing as a free lunch, and a loan that has not been paid is risky.

3. Read the terms of the contract. Before signing the contract, you should read all the terms and conditions clearly, and do not blindly agree and acquiesce.

Legal basis: Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases Article 25 Where the lender requests the borrower to pay interest at the interest rate agreed in the contract, the people's court shall support it, except where the interest rate agreed upon by both parties exceeds four times the interest rate of the one-year loan market at the time of the conclusion of the contract.

The "one-year loan market ** interest rate" mentioned in the preceding paragraph refers to the one-year loan market ** interest rate authorized by the People's Bank of China to be released monthly by the National Interbank Lending Center from August 20, 2019.

Borrow from the bank. If you want someone else to borrow, you must borrow it separately. Otherwise, all you will be given is an excuse.

Summary. If the borrower and borrower agree on an annual interest rate of less than 24%, the interest is legal. However, if the agreed interest rate exceeds 36% per annum, the excess interest is not legal.

If the borrower and borrower agree on an annual interest rate of less than 24%, the interest is legal. However, if the agreed interest rate exceeds 36%, the excess interest is not legal. Ambush.

I borrowed it from my credit card at the time, and he knew that it would be repaid in a few days, and it took two years to pay it off.

What responsibility is there for her side.

When the other party owes money and does not pay it back, if it meets the conditions for filing a lawsuit, it can prepare to sue the material in accordance with the relevant requirements of the civil deeds and the procedural law, and file a lawsuit with the people's court, requesting the people's court to judge the other party to repay the loan and bear the responsibility for breach of contract. Before filing a complaint, one should be prepared to collect the appropriate evidence and draft a complaint.

If the verbal borrowing is ruined, the contract is valid if it is expressed in the true intention of both parties. The Civil Code stipulates that the loan contract shall be in written form, unless otherwise agreed upon by the source loan between the natural persons.

It can be used as evidence, but it is best to prove the purpose of the transfer, in the form of ** recording or third-party witness.