I borrowed 100,000 online, and they charged me 10,000 8, is it legal?

Hello, formal loan platforms usually do not charge pre-loan fees for any reason, so you must be wary when encountering them. If you need money urgently, you can consider taking out a loan to relieve the pressure, but at the same time, you should also do what you can and try to make money. Now there are many ways to apply for a loan, you can apply for a bank loan through a mortgage, and a more convenient way is to apply for a personal credit loan.

It is recommended to use the money to spend, the money to spend is the credit brand of Du Xiaoman Finance, which provides users with safe and convenient, unsecured and unsecured credit services.

With money to spend on consumer loans, the daily interest rate is as low as low, and it has the characteristics of simple application, low interest rate and fast lending, flexible borrowing and repayment, transparent interest and fees, and strong security.

Share with you the application requirements for consumer products with money: it is mainly divided into two parts: age requirements and information requirements.

2. Information requirements: During the application process, you need to provide your second-generation ID card and your debit card.

Note: Only debit cards are supported, and the application card is also your debit card. My identity information must be the second-generation ID card information, and I cannot use a temporary ID card, an expired ID card, or a first-generation ID card to apply.

This answer is provided by Youqianhua, due to objective reasons such as the timeliness of the content, if the content is inconsistent with the actual interest calculation method of the Qianhua product, it shall be displayed on the page of Du Xiaoman Financial APP-Youqianhua Loan. Hope this helps.

There are many online loan companies that are unofficial. If you borrow 100,000 yuan and charge you 18,000 yuan, it is not legal or illegal. You don't feel legitimate, you can not go out of online loans.

You can go to the bank to get a loan, which is a regular national bank. As much as possible, don't go to online loans. so as not to be blackmailed into making loans.

Be careful in everything.

Borrowing 10,000 yuan and charging 300 yuan of interest every month, with an annual interest rate of 36%, is usury and is not protected by law.

If you need to borrow money, where can you borrow it? In fact, there are some ways to solve the problem. The first is to borrow money from relatives and friends; The second is through a bank loan, but the application process is more complicated and the application time is longer.

The third is to apply for a credit loan through the Internet credit platform, with the advantage of which is that individuals can apply online, and it is more convenient to apply for the account.

Here is a reminder that it is best to choose a reliable big brand on the market for credit borrowing, such as Alipay's borrowing and Du Xiaoman Finance's Youqian Hua. Youqianhua, formerly known as "Youqianhua", is a credit brand under Du Xiaoman Finance (formerly Finance), which provides users with safe, convenient, unsecured and unsecured credit services.

Du Xiaoman Finance will effectively implement the call of the state to support small and micro enterprises to tide over the difficulties, and its credit service brand has the money to spend to fully support the production and operation of small and micro enterprises, and Du Xiaoman Finance is the primary choice for most small and micro business owners when their capital turnover. It is reported that seventy percent of the credit users of Du Xiaoman Finance are small and micro business owners. Up to now, Du Xiaoman Finance has joined hands with dozens of financial partners to issue hundreds of billions of yuan in loans to small and micro business owners.

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

The interest is legitimate, but the IOU should be written.

IOUs. Borrower: Name, Gender, Ethnicity, Date of Birth

Home address: ID number:

Today, borrow RMB capitalization: 100,000 yuan, and the term is months.

It will be paid off in a lump sum on XX/XX/YYYYYYYYYYYYYYYY

According to the borrower:

Guarantor:

Borrowing Date: YYYYYYYYYYYYYYYYYYYYYY

Further reading: IOU considerations.

The loan procedures must be complete.

No matter how good the relationship between the debtor and the creditor is, when borrowing money, you must also make an IOU. Not making IOUs is the biggest legal risk. When the court examines a loan case, it shall require the plaintiff to provide a written IOU, and if there is no written IOU, it shall provide the necessary factual basis, and the request without evidence will bear the risk of losing the case.

Therefore, when borrowing, the borrower should take the initiative to write a written IOU, and the lender should also remind the other party to write an IOU. When repaying, the repayer should pay attention to recovering the IOU, or jointly destroy the IOU. If the lender claims that the IOU is lost or damaged, the repayer shall request a receipt from the lender, and the repayer shall keep the receipt in a safe place.

As long as the interest rate of private lending does not exceed 4 times that stipulated by the bank, it is not illegal!

It feels a bit problematic. At least you're going to get into trouble when you go to court. There seems to be an interest cap on private lending.

It's several times that of the bank, and it's not legal to exceed it. This can only be said that the scope of legal protection should be in accordance with the provisions of the law. But there may be an element of friendship in the interest you are giving from your friends.

Therefore, it can only be said that the law cannot protect all your interests, but only the part of your reasonable interests. The unreasonable part depends on your friendship.

You can ask him to write on the IOU that he has borrowed you, and there will be no problem.