How should we treat online loans correctly?

First of all, you should find a formal online loan platform, and ask how long it will take to repay the loan after it, or how much you will repay it in each installment, sign the contract, and calculate whether you have the ability to repay the loan.

I think we must avoid online loans, because the interest rate of online loans is relatively high, and it is easy for people to fall into the trap.

We must not touch such things as online loans, and we must try to stay away from online loans.

In order to avoid being pitted, the key is to change your consumption concept, live within your means, and don't over-consume.

If you want to resist online loans, you hope that young people will be self-reliant and self-reliant, and don't think about what to do with the money in other people's pockets at every turn? I don't want to pay back, I should rely on my own efforts to make money, and try to save a little money.

How to resist online loans for many young people, and now there are a lot of scams on the Internet, so when you take out loans, you should be careful, especially from the Internet, don't disclose your personal information, etc.

Education should be strengthened for young people in this area, and families should also set higher demands on their children, doing as much as they can and trying not to borrow foreign debts.

If you want to resist the Internet, you can post some content on the Internet so that everyone does not buy online goods.

Young people need to be taught not to pay too much attention to material things and pleasures, to live within their means, and not to borrow money to spend in advance.

Again, the key is to consume wisely.

1. First of all, if you fall into the trap of online loans, you must stay sober, understand what kind of trap it is, and then immediately stop the behavior of using loans to support loans. If you continue to take out loans, it may not take a year, and your debts will roll over to the point that your whole family can't afford them, and then you will borrow more than Cong Shouzheng, and no one will want to lend you again, and you will have to start facing collection, and then everyone will know. So since you have to face it sooner or later, it's better to get out early, the sooner you get out, the less serious the consequences will be, this is absolute.

2. Second, don't be afraid. At most, online loans are only civil disputes, and the public security organs are not allowed to interfere in civil disputes. Unless you have the means to do so, the people's court will not arrest you, so you don't have to worry about who will arrest you.

There is no need to pay attention to anyone's threats, except that the people's court can determine that you have the ability to repay but refuse to repay and other bad circumstances, so that you have the right to judge you as a dishonest person subject to execution (lai) and restrict some of your high-consumption behaviors (taking airplanes, high-speed rail seats, children going to aristocratic schools, etc.). No one else has any right to restrict you.

3. Third, face the problem head-on and don't run away. Understand that this is normal, it's not a big deal, there are a lot of people in debt, as long as you go and find a way, there is always a way to solve it. Don't think about running away, let alone committing suicide, it's not that far.

You have to face the mistakes you have made, if you don't want to face them yourself, how do you let your family face them? Is it fair for them that you run away and commit suicide? Who is it worthy of?

As long as the people are still there, everything else can be solved, if the people and money are empty, can you be willing?

4. Fourth, if you owe not a lot of debts at this time, it is good that you can solve it yourself, but you can't solve it yourself, you should confess to your relatives and friends, and enlist their help.

Online lending belongs to the category of private lending, which is protected by law, and if the borrower does not repay the loan, then according to the information provided before, the platform can protect its rights through legal means. This will leave a bad record on the borrower's credit, and the borrower will have difficulties in obtaining loans in the future, and if the circumstances are serious, he may be held criminally liable.1. The full name of online lending is online lending, including individual online lending (i.e., P2P online lending) and online small loans.

2. Understand the usury trap, zero threshold, no collateral, online review, and the fastest three minutes to the account, induce students to overspend, and even fall into the "usury" trap, infringing on the legitimate rights and interests of college students.

3. College students should establish a rational concept of financial consumption, and should not avoid new economic things while raising their vigilance, so that they can try to improve their sensitivity in finance, consumption and other fields before entering the society. 4. Consciously understand the knowledge of financial credit and network security and related laws and regulations.

The Dangers of Campus Loans:

1. Campus loans are usurious in nature;

2. Campus loans breed the bad habits of borrowing students;

3. If the loan cannot be repaid in time, the lender will use various means to collect the debt from the student;

Fourth, there are lawbreakers who use "usury" to commit other crimes.

Campus Loan Precautionary Measures:

1. Keep personal information and documents closely.

Once it is used by people with bad intentions, it will cause personal reputation, loss of interests, and may even lead to lawsuits. In the above incident, if you are deceived into taking out a loan on an Internet financial platform, you will not only suffer a cash loss, but also the bad loan information may be entered into the credit system, which is not conducive to future housing and car loans.

2. The loan must go to the formal platform.

Due to the lack of Internet financial supervision at this stage, there are many platforms for buying dog meat, so you must log on to the official website to check carefully, and search and compare all kinds of evaluation information. For example, college student loans should be recognized for Jiurong Finance, because they are strictly audited, risk control access to the big data center, and the basic dynamics of students can be audited.

3. The loan must be used on the right path.

College students are still in the consumption period, and their ability to repay is very limited, and if they are overdue, they will eventually pay the bill from their parents, increasing their burden, so college students must be cautious about online loans.

4. Don't easily believe loan advertisements.

Some P2P online lending platforms use fake and shoddy advertisements to lure college students to register and take out loans, and the copywriting says to help solve the difficulties of students' basic learning and life in school.

5. Establish a correct concept of consumption.

College students should fully understand the hidden dangers and risks of online non-performing loans, and enhance their awareness of financial risk prevention; It is necessary to establish a rational and scientific outlook on consumption, and try not to take out loans and shopping on online borrowing platforms and installment shopping platforms, because the interest and liquidated damages are very high, and develop the excellent quality of hard work, simplicity, diligence and thrift; It is necessary to actively learn financial and cyber security knowledge and stay away from bad online lending behaviors.

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.

The more online loans happen, the more people can't understand the people who borrow online loans, and some people even think that they deserve it, knowing that the interest rate is high, and they know that they can't afford to pay it back, why do they still want to jump in like a moth to a fire?

In fact, young people who lack social experience, in front of the online loan platform are like primary school students, no resistance, no resistance, nothing more than a little more pitted, or will be pitted a little less, it is difficult to be spared, online loan platform publicity, low interest, no collateral, fast arrival, young people have urgent money, and embarrassed to open to their parents and friends, a little casual on the mobile phone, a few minutes ago, please ask yourself, how many people resist this kind of money that seems to be low, but also so convenient?

It's not scary to borrow once, but the scary thing is that you can't get out again.

Who knows, these three characteristics of online loans are the main culprits that make young people fall into it and can't extricate themselves to a dead end?

The comprehensive cost of the first online loan is frighteningly high, the low interest rate is just an advertisement, and there are like margins, management fees, liquidated damages, etc., when it comes to the repayment date, they generally can't afford to repay, so they can only continue to borrow, and they are forced to enter to borrow to support the loan, just like a snowball, the more they roll, the more they roll, the more they borrow, the more they borrow, and the news that rolls to 300,000 yuan in two years. Most of them are borrowed to repay old debts, used to repay loans, second, the money earned by online loans and the happiness of going to work is not the same, hard-earned money will not be willing to spend, online loans borrowed money is like a windfall, generally will be lavish, economics, there is a ratchet effect, refers to people's and consumption habits are irreversible, easy to go up, difficult to come down, just like a ratchet, can only move forward can not go back, what about the level of consumption? It must be getting higher and higher, and that high consumption will also be addictive, <>

Thirdly, thirdly, the values collapsed, and the receptionists worked hard and couldn't earn much money? It is natural to feel that my struggle is meaningless, the money is too slow, it is difficult to sink the heart to do things, the more I think about this fast, the easier it is to fall into the pit, enter the nausea cycle, online loans will be addictive, so that many people are deeply involved, please force you to go ashore as soon as possible, and stay away from online loans, and farther away.

We should seriously criticize these situations of online lending, and at the same time teach everyone that the harm of online lending is very serious.

Reasonable consumption, establish a correct concept of consumption, do not over-consume, buy things beyond your own economic range.