How to choose an online loan system? How to prevent not being fooled?

Go to a regular **, such as Alipay, try it yourself, see how much your sesame score is, and you can borrow as much as you can.

The suggestions are as follows: 1. Rational use of money.

Nowadays, many people spend money like running water and do not have the awareness of rational use of money. When the money is spent and there is no money to use, but you need money urgently, you will want to borrow money online, so you will fall into the trap of online loans.

It is recommended that every money spent should be booked, after which you can look at the ledger.

The money used is not reasonable. Then you will learn how to use your money wisely.

2. Balance revenue and expenditure.

Every time you spend your money, think about whether the amount of money you earn can be balanced with the money you spend. If it's not balanced, you have to consider whether the money can be spent without it.

If you force your balance to break, maybe you'll be stuck in the loop above.

3. Don't trust online lending platforms.

Many online lending platforms attract others to borrow money quickly and at low interest rates. It's true to borrow money quickly, but low interest rates are definitely fake. Why do others lend you money for no reason, isn't it just to earn a high interest rate on the loan. Mingmu online loans are basically usury.

It's better not to touch it. If you really need money, use it to find a regular bank loan.

It is also stronger than online loans.

Further information: About online loans.

1. P2P online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending.

It refers to the direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. In 2012, the number of online lending platforms in China grew rapidly, with about 350 active platforms so far, and 3,054 as of the end of April 2015.

In September, the Leading Group for the Special Rectification of Internet Financial Risks and the Leading Group for the Special Rectification of Online Lending Risks jointly issued the Notice on Strengthening the Construction of the Credit Information System in the Field of P2P Online Lending to support the access of P2P online lending institutions to the credit reporting system.

3. Online lending includes individual online lending (i.e., P2P 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 is a private lending.

The scope is subject to the general principles of contract law and civil law.

and other laws and regulations, as well as the relevant judicial interpretations and norms 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.

If there is a problem with the credit information, there will be a lot of inconvenience, which may lead to becoming a lai, and the online loan is easy to roll over the profit, and you need to repay a large amount of money, sometimes it will not be repaid, if you want to avoid the harm of online loans, try not to use online loans, so that you can completely avoid it.

Online loans are easy to affect personal credit, and will also increase their own economic pressure, it is easy for people to indulge in online loans, and it is easy to go astray.

It will lead to more money owed by yourself, and there are problems with credit information and you can't take out a loan in the future, and if it's serious, it will affect your travel, that is, you don't want to believe some loan information on the Internet, and don't try it yourself, you can also avoid spending as much money as you want.

1. Check the record to see if it has formal business qualifications;

2. Those who work 24 hours a day (can work overtime at night for approval) should beware, there is no online formal loan platform working hours such a provision;

4. Beware of the voice query of the non-regular banking system, such as the voice query of the bank at the beginning of the bank, all banks have a unified and special inquiry number.

6. When contacting, do not pay any fees in advance, including deposit, prepaid interest, etc., all of which are **.

The key to the problem lies in whether the borrower has chosen a formal lending institution, and whether the borrower attaches great importance to the interest rate and loan time. Investors are reminded that only by having the right mindset can they successfully apply for a loan.

Therefore, when using online loans, you must avoid these: the first type of online loan: 714 borrowing platform, this one is not the name of the borrowing platform, but the general 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. Then the interest on the loan is certainly 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 constantly pretend to be macro to borrow the east wall to make up for the west wall, it is most likely to owe a lot of debt, so it is better to use it less than 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. The third type of online loan:

There is no automatic deduction when due. In fact, many users are afraid that they forget to repay the overdue fees after borrowing money, and the interest rate is higher, so they will choose automatic deduction on the option of repayment, in fact, there are many platforms that are virtual in this option, and the deduction will not be automatically carried out when repaying, if you don't want to check it, then you will have to pay a few more days of overdue fees if you are overdue, this kind of is just taking advantage of the psychological loopholes of users, After setting up this option, most users will think that it will be automatically deducted anyway, so they don't need to worry too much, but when they stumble upon it for several months, they already owe an inexplicable fee, so it is best for users to check whether their online loan software has such a situation.