Installment is happy to cheat loans, is no one in China cares

Installment music relies on beating ** to scare people to collect, and they are not legal, so they don't pay it back. How many people don't repay their loans, and there are more such loans.

Reliable. This installment loan platform is still credible, it is a relatively formal loan platform, mainly for college students and some white-collar workers, and you can use it with confidence. To apply for an installment, you need to fill in your personal information, which must be real, and then apply for an order and wait for review.

The platform is a regular platform, which is not bad. The problem lies in the software, if you want to add a new bank card to repay when you repay, there is a high chance that you will see a "payment system update" prompt, resulting in failure to repay on time. At this time, you will also receive countless debt collections** and even debt collection emails from all over the country every day.

At first, I used it as a college student installment, and I could also take out a loan, which I used when I was in college. Compared with other online loan platforms, this software is already conscientious. Installment Le and Huabei are two completely different models.

Installment is a loan platform, and Huabei is a mechanism similar to a credit card that spends money first and then repays.

Installment Le is an installment shopping** and financial service provider for college students, providing installment loans and repayment services for college students. In 12 years last year, Installment received $100 million in financing led by DST, and the Russian venture capital institution has also made strategic investments in JD.com. On this platform, college students do not need a credit card, and can consume first and pay later with only a student ID, supporting zero down payment.

Reliable, installment music is a regular platform.

Installment Le by Shenzhen Installment Network Technology **** launched a comprehensive installment consumer shopping ** and Internet small consumer financial products, to provide users with cash loans, credit card repayment services, the current Shenzhen Installment Le Network Technology **** procedures and filings are valid and legally approved, so the current installment card is regular.

In addition, the loan amount is provided by the cooperative bank, and its cooperative institutions include Industrial and Commercial Bank of China, Bank of Shanghai, Shanghai Pudong Development Bank, etc., and the cooperation with the bank will be reviewed formally and legally before the cooperation, which proves that the installment is legal.

As long as you change the money, you will be done, if you can't pay the money, it is unreliable to borrow money from any platform.

Consequences of not repaying the loan:

The bank will take certain collection measures, in the initial notice, if the loan is really not repaid, you can explain your actual situation to the bank, try to apply for an extension, this depends on the regulations of different banks.

If the overdue period is more than 90 days, the circumstances are serious and can be regarded as malicious overdue, and the bank's collection may also cause pressure on yourself and your family, affecting the normal life of individuals and their families. In terms of overdue charges, there will be some expenses such as liquidated damages, penalty interest, etc., which need to be collected according to the contract, and different institutions and different loan products will charge different liquidated damages or penalty interest.

It has an impact on personal credit records, and bad credit records have become an obstacle to future mortgages, car loans and other loans, as well as credit card processing. If you are sued to the court because the loan cannot be repaid, and you still fail to repay the loan after the court judgment is enforced, you can report to the Supreme People's Court and enter it into the "List of Judgment Defaulters", also commonly known as the "Lai Lai List", and you will be prohibited from traveling by plane or high-speed train.

Founded in Shenzhen in 2013, Installment is a leading Internet consumer financial service provider in China and one of the first council members of the Internet Finance Association of China.

In terms of business model, Installment Le cooperated with JD.com** and many partners, starting from the purchase of mobile phones in installments, and gradually expanded to the entire 3C digital, sports and outdoor, washing and beauty, education and training, eating, drinking and playing and other consumption scenarios.

As of April 2016, Installment has more than 8 million registered users, providing multi-faceted support for young people and white-collar workers to consume reasonably. In 2015, the annual sales of installment exceeded 10 billion yuan, and the monthly sales exceeded 2 billion.

Installment is the first to create an Internet small and micro consumer finance business model. At the front end of consumption, Installment has improved the user shopping experience through cooperation with JD.com; At the back-end of creditor's rights processing, Installment Le launched Orange Wealth Management in June 2014, and exclusively launched all creditor's rights in installment, forming a closed-loop ecology of "self-production and self-sale".

Installment has received investment from a number of top domestic and foreign investment institutions and well-known enterprises, including JD.com, DST, Xianfeng Huaxing, Jingwei China and Bertelsmann Asia Investment**.

Installment Le by Shenzhen Installment Network Technology **** launched a comprehensive installment consumer shopping ** and Internet small consumer financial products, to provide users with cash loans, credit card repayment services, the current Shenzhen Installment Le Network Technology **** procedures and filings are valid and legally approved, so the current installment card is regular.

Good installment is not reliable at all, the interest is too high, borrow more than four thousand yuan a day of interest, and early repayment is also to deduct the interest, it is recommended that you do not be deceived, other loans can not be deducted interest in advance.

In the case of installment loans, basically I think it is not very reliable, mainly because his interest rate is relatively high, and it is also a risky loan, so you must be cautious in your choice, otherwise it is easy to have problems.

The platform is a regular platform, which is not bad. The problem lies in the software, if you want to add a new bank card to repay when you repay, there is a high chance that you will see a "payment system update" prompt, resulting in failure to repay on time. At this time, you will also receive countless debt collection ** and even debt collection emails from all over the country every day, and the tone is like the "legal debt collection" posted on the small tricycle next to the station to solicit customers.

I feel that it is still very reliable, combined with my own situation, try not to take out loans, try to think well, work hard, you can, you can.

**The company first let you apply for approval, and then deliberately reversed your bank card number, saying that the remittance funds are frozen, and you have to pay a 30% unfreezing fee, and then then.

I don't think it's reliable at all, it seems that the installment music has gone out of business, isn't it already thunderous before, and there is also overwhelming negative news on the Internet news, so I advise everyone not to contact this kind of loan.

The installment interest is too high, I borrowed 10,000 and soon became 20,000 yuan, what should I do, what can I do to complain or sue?

It's not reliable at all, and other people's real-name system** can also borrow money, which is not reliable at all.

Don't believe that forced lending cannot be canceled and the interest rate is super high, don't borrow, don't borrow, force lending, and there is nowhere to appeal.

As long as the repayment is the same as agreed on time, I feel that it is okay, and the interest is high, and Lao Tzu can accept it, but I am afraid that some people who deliberately do not let the repayment make the borrower overdue and defraud the money.

It's best to go for a credit card. Or Huabei. Borrow those. Relatively reliable. The first time I borrowed the installment music. And he was scolded.

Unreliable interest is too high, borrowing 500 to repay 800 is simply usury.

I feel very good about installment music, almost the same as Huabei, flexible use.

It is very reliable to borrow 4800 installments and repay 8000 in 3 years.

Legal analysis: There is a risk of fraud, you need to be cautious, do not participate in the losses caused by fraud, you can report to the police in time to solve it, and ask for help.

Legal basis: Criminal Law of the People's Republic of China

Article 266:Where public or private property is defrauded and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a single fine is given where the amount is huge or there are other serious circumstances, a sentence of between three and ten years imprisonment is to be given, and where the amount of the fine is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or life imprisonment is to be given, and a concurrent fine or confiscation of property. Where this Law provides otherwise, follow those provisions.

Article 192:Where fraudulent methods are used to illegally raise funds for the purpose of illegal possession, and the amount is relatively large, a sentence of between three and seven years imprisonment is to be given, and where the amount is huge or there are other serious circumstances, a sentence of seven or more years imprisonment or life imprisonment is to be given, and a concurrent fine or confiscation of property.

Where a unit commits the crime in the preceding paragraph, the unit is to be fined, and the directly responsible managers and other directly responsible personnel are to be punished in accordance with the provisions of the preceding paragraph.

Article 266:Where public or private property is defrauded and the amount is relatively large, a sentence of up to three years imprisonment, short-term detention or controlled release is to be given, and/or a fine; where the amount is huge or there are other serious circumstances, a sentence of between 3 and 10 years imprisonment and a concurrent fine is to be given; where the amount is especially huge or there are other especially serious circumstances, a sentence of 10 or more years imprisonment or indefinite imprisonment is to be given, and a concurrent fine or confiscation of property. Where this Law provides otherwise, follow those provisions.

Normal. Installment music.

In fact, it is a comprehensive online consumer loan platform, and borrowers obtain credit lines.

After that, you can make purchases directly at Installment Shopping**, or you can apply for a cash loan service on Le Card products. Installment even provides credit card repayment services for borrowers.

According to the instructions on the official website of Installment, borrowers can apply for a loan amount of up to 50,000 yuan, and the loan period is up to 36 months. The loan amount was provided by Heshou Mengqin institutions, including Industrial and Commercial Bank of China and Bank of Shanghai.

Shanghai Pudong Development Bank, etc. The review conditions of each institution are different, but they will be comprehensively scored according to the applicant's credit conditions, past loan history, and big data of Xiaoqi Xincha.

Installment is a licensed consumer financial institution and is in contact with the central bank.

There is cooperation in credit reporting. When the borrower applies for installment shopping, he does not need to provide any mortgage and guarantee to the installment company, and can handle it with his own credit.

Small loans** are the most reliable and direct to the account, and compared with other loan methods, the loan application of the online loan platform is convenient and the loan is fast, but the application for online loan should pay attention to the formal large platform, which can better protect personal interests and information security.

At the same time, be careful not to pay pre-loan fees to avoid being cheated.

1. Micro loans.

WeLoan is WeBank.

One of its personal credit loan products supports borrowing and repaying at any time, with a maximum repayment period of 20 installments. After the user applies for a loan, he can borrow and repay at any time, and the amount can be recycled, and the account can be received in 15 minutes at the earliest, which is very suitable for users who need money urgently. The minimum daily interest rate of the micro loan is 200,000 yuan.

3. The degree is small.

Du Xiaoman's original name was finance.

It is a financial service platform under its umbrella, which has officially completed split financing and separated from independence. The maximum amount that users can apply for on Du Xiaoman is 200,000 yuan, and the maximum installment can be 24 installments, with the lowest annual interest rate.

That's a lie to me. Let's talk about 4 percent and five percent first, and say 8 percent in three months, and all of them will be repaid by one or two.

Le installment loans are reliable and formal, and users can borrow money on this platform as long as they meet the conditions. According to the understanding, although the Le Installment does not clearly stipulate how long it will be sued if it is overdue, generally speaking, if the amount is too large and overdue for more than 90 days, the Le Installment may sue the borrower.

How to choose a lending platform:

1. No advance charge.

Formal institutions will not charge in advance, regardless of whether the bank or institutional service provider, as long as the formal loan platform will not charge any fees to the applicant before the loan is decentralized, everyone can consult the loan method and amount for free. Therefore, as long as you have to pay the money before the next payment, then you can withdraw immediately.

2. The charge is reasonable.

According to the current state regulations, the interest rate on any loan cannot exceed 36%. Therefore, when taking out a loan, users can consult the loan platform for loan fees, refer to the national standards, and see whether the loan platform they are looking for is reliable.

3. The amount is reasonable.

Although the threshold for borrowing money through existing online lending routes is getting lower and lower, the standardized online lending path must know the amount through your personal information. Assuming that after registration, the bridge has only filled in a little brief information about Xunyuren, and you can get more than 10,000 or even tens of thousands of quotas, which must be problematic. Although a loan can solve your immediate needs and help you get through the current difficulties.

However, there are some loans, even if you need them urgently, you must not touch them, otherwise they will only get deeper and deeper. <>