P2P collateral is not safer than credit collateral

Not necessarily. Many investors believe that P2P credit standards rely purely on personal credit, with neither collateral nor guarantee, and the current domestic credit system is not perfect, which is prone to problems and extremely risky; The P2P mortgage is marked with collateral, in case the borrower can't repay the debt, the collateral can be realized to pay off the debt, which is relatively safe, of course, these have a certain reason, however, many investors will ignore one thing: in fact, the P2P mortgage target is also risky, and having collateral does not necessarily mean that it is safer.

1. Vehicle mortgage.

Generally speaking, as long as the borrower defaults, the investor has the right to dispose of the mortgaged vehicle, but most of the current P2P online loan platforms are either not charged with the car or not with the car, if the borrower really intends to escape the debt, then this practice of the online loan platform will give the borrower a chance.

In addition, the current situation of second mortgage of vehicles also occurs from time to time, if the second mortgage is encountered, then the investor will suffer a loss when repaying it, and the possible repayment can not cover the money invested.

2. Housing mortgage.

Some people may think that the house mortgage is the safest mortgage project, but in fact, it is not the case, and the vehicle mortgage, the house mortgage is also facing the risk of repeated mortgage, if there is a default, then the first mortgage is still repaid first, and the remaining residual value may not be able to cover the amount lent out like the vehicle mortgage.

The P2P platform is actually a trust between the two parties, the purpose of your mortgage is to let you repay, generally you repay the money in time, your mortgage will be returned to you intact, as for some to use the mortgage to do the mortgage, I think it is unreliable, because I am rich, like the P2P platform is better is to easily lend, he can invest, I invested tens of thousands of dollars, if mine is useful to you, thank you!

1.The subject matter of the mortgage refers to the collateral provided by the borrower (generally real estate), and this is the main risk counterfactor.

2.The subject matter of guarantee refers to the guarantor provided by the borrower (generally the guarantor company or guarantor), and this is the main risk counterfactor.

3.The credit standard refers to the borrower's good personal or corporate credit as the subject matter, and this is the main risk counterfactor.

The difference between mortgage and pledge is: taking vehicle mortgage and pledge as an example, the vehicle can continue to be used by the borrower in the case of mortgage, but it must be equipped with GPS for real-time monitoring; The pledge standard requires that after the vehicle is transferred to the P2P online loan platform, it will be parked at the designated place of the P2P online loan platform, and the P2P online loan platform will manage the car keys.

The risk of this kind of subject matter is that once it is overdue, it is difficult to realize it in time, which will cause losses to investors. Investors can choose vehicle mortgages and real estate mortgages with stronger liquidity.

1. The credit standard refers to the loan standard that the user is allowed to release after a comprehensive review of the personal credit qualification of the borrower. The main focus is on personal credit issues, and pre-loan review is particularly important.

2. The mortgage mark refers to the loan target issued by the borrower on the platform with a certain collateral (real estate or car) as collateral. The main emphasis is on the borrower's collateral as security!

However, the security of the credit mark is lower than that of the fast mortgage mark. The mortgage is marked with a material that can be realized, and it can be repaid more efficiently in the event of an overdue date. However, the pledged object is superior to the mortgage object, and the new property law stipulates that those who have physical objects in hand enjoy the right of priority disposal.