May I ask everyone, is it okay to borrow money from Youxin?

It is recommended that customers choose formal banking channels to apply for loans, such as the Agricultural Bank of China's "Online Quick Loan".

Netfast Loan refers to a small-amount consumer loan issued by ABC to individual customers of ABC who meet specific conditions, and is self-applied for, quickly received, and self-serviced.

2) The borrower understands the product situation, the basic conditions of the loan and the handling process.

3) Fill in the basic information, the term of the loan to be applied, the borrowing and repayment account, the mailing address, etc.

4) The system verifies the validity of the mobile phone number.

6) Confirm the loan information, the amount of the loan to be applied for, the purpose of the loan, etc.

The maximum loan amount is 300,000 yuan, and the minimum loan amount is 3,000 yuan; The specific quota of the customer will be approved according to the customer's business situation in ABC.

Yes, the uncle was sick last year, and the family couldn't take out too much money to pay the hospitalization fee, so he applied for a loan of 50,000 yuan from Youxin, applied on the same day, and passed the review on the same day. And the payment period is relatively long, so there is no pressure.

What should I do if I can't afford to repay the loan? When financial lending institutions first emerged, many people would borrow some money from these financial lending institutions for emergency purposes. However, after borrowing money, some people will be unable to repay the loan, and if they can't repay the loan, they can negotiate with the institution to apply for an extension or installment.

The other way is to borrow some money from relatives and friends in the surrounding area, and then repay the online loan, and then slowly repay it to relatives and friends.

What will be the consequences if you don't have a loan? If you don't borrow money from a loan company, there will still be serious consequences. First of all, there will be problems with personal credit reporting, because many loan companies have connected their personal credit history to the credit system of the central bank, and once there is an overdue situation, the loan company is likely to upload personal credit to the credit information system.

In addition, in the early stage of overdue, the lending institution will continue to call the borrower's mobile phone and the borrower's family members**, and collect the loan through various means such as threats and pressure until the borrower repays. In addition, serious cases will also sue the borrower, because these loan companies are operating legally, and the two parties have signed a contract when borrowing, and the loan company does not have to worry about losing the lawsuit, so in order to recover the loan, the loan company will resort to various methods.

Therefore, do not take out an online loan easily, once you take out a loan, whether it is for your family or yourself, there will be many adverse effects, and it will affect your own life and that of your family.

Youxin Loan has recently had problems with fraud, fraud and violent collection, and is suspected of fraudulent loans.

If the loan is not repaid, there will be the following consequences: 1. Youxin has been connected to the credit information system of the central bank, once the loan of Youxin is overdue, then there will be overdue bad credit records will be uploaded to the personal credit report, resulting in credit stains and affecting the handling of credit business; 2. After the loan is overdue, Youxin will take certain measures to collect, such as sending text messages to the borrower and calling **, which will affect the daily life of the borrower. In addition, Youxin's loan is overdue, and it is necessary to pay overdue fees, which increases the repayment pressure of the borrower, and it is still necessary to strive for timely repayment.

For example, Xiao Zhang's WeChat revolving loan is 5,000 yuan overdue, the overdue time is 5 days, and the overdue interest rate is 5,000 yuan.

2. A revolving credit agreement, also known as a "revolving credit agreement", is a loan agreement in which a bank has a legal obligation to promise not to exceed a certain maximum limit. During the validity period of the agreement, as long as the total amount of borrowing by the enterprise does not exceed the maximum limit, the bank must meet the borrowing requirements of the enterprise at any time. Under revolving credit agreements, a business usually pays a commitment fee to the bank for the unused portion of the loan limit.

3. The interest of private loans shall be agreed upon by both parties, but if it exceeds four times the interest rate of bank loans in the same period, it is not protected by law, that is to say, if the borrower does not repay the money, the creditor sues the court, and the court decides, only four times the interest rate of the bank loan in the same period will be awarded, and the excess part will not be awarded. Let's calculate whether the monthly interest rate of 2 cents 5 is within four times:

1. The medium and long-term annual interest rate of the current bank loan interest rate for the same period is, x 4 = ;

2. Calculate the annual interest rate of the monthly interest, x 12 months = 30%;

3. 30% is greater than four times the bank's loan interest rate for the same period, and if A sues you to the court, the court will only award the interest within four times.

4. Usury is illegal, so the borrower can only repay the principal and interest within the scope of the law, and because of the violent crime when the usury has multiple ways to claim debts, it is not recommended that the parties consider this kind of borrowing.

Private lending is a civil act, which is subject to the constraints and protection of civil law and contract law.

However, according to Article 211 of the Contract Law, "if the loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the relevant provisions of the state on restricting the interest rate of the loan".

According to the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases, if the interest rate agreed between the borrower and the borrower does not exceed 24% per annum, the lender has the right to request the borrower to pay interest at the agreed interest rate. However, if the interest rate agreed between the borrower and the borrower exceeds 36% per annum, the interest in excess of 36% per annum shall be deemed invalid.

Hello, first of all, overdue words will have an impact on your credit according to the length of time, serious overdue (more than 90 days) credit is a black account, before the overdue is not able to apply for any loan business, and secondly, overdue will produce liquidated damages, overdue interest and other additional costs, long-term overdue The last interest is greater than the principal is not a new thing, please be cautious.

There will be no consequences for the money from the loan:

1. If there is really no ability to repay, it shall negotiate with the lending institution to extend the repayment period or repay it in installments.

2. If the lending institution fails to perform the court judgment within the performance period after winning the lawsuit, it will apply to the court for enforcement.

3. When the court accepts the compulsory enforcement, it will inquire about the real estate, vehicles, ** and deposits in the name of the lender in accordance with the law.

4. If the lender has no property in his name that can be enforced and refuses to perform the effective judgment of the court, there will be negative information such as overdue repayment recorded in the individual's credit report and will be restricted from high consumption and entry and exit, and may even be subject to judicial detention.

Can't afford to pay back the money to give you two ways:

The first is to apply for extension, that is, to extend the loan term, and the loan extension shall not be lower than the original loan terms. The extension of the short-term loan shall not exceed the original loan term; The extension of the medium-term loan shall not exceed half of the original loan term; The long-term loan may not be extended for a maximum of 3 years. If the customer does not apply for an extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date;

The second is to borrow money to repay the loan.

The consequences: 1) the bank loan officer will continue to come to the company to demand;

2) the loan will be subject to penalty interest;

3) Poor personal credit history and no longer able to get loans in the future.

Youxin is committed to providing professional microfinance financial information services, on the one hand, it provides financial information services for individuals with small loan needs face-to-face through the implementation of the way, and at the same time, it provides microfinance technology to the capital supplier.

Youxin Loan Company has a large economic scale and strong strength. It is a subsidiary of Renrenyouxin Group, established in May 2011 with a registered capital of 200 million yuan. Youxin's loan business covers 75 cities across the country, and has become an emerging force in the same industry with a thriving reputation and influence.

Youxin Loan Company has a wide range of loan products. There are a variety of pure credit small loan products such as talent loan, salary loan, business loan, owner loan, silver collar loan, business loan, etc., and has invested a lot of energy in the research and development and promotion of small loan products, and has opened branches in Beijing, Shanghai, Chongqing, Guangzhou, Qingdao and many other large, medium and small cities, with low loan threshold and fast lending speed, which has attracted many small loan demanders and indeed solved the capital needs of many people.

The loan service provided by Youxin Loan Company is a high-quality and considerate humanized service. If your situation is urgent, Youxin will handle the urgent business for you free of charge, and you can get the loan service within 36 hours after the information is complete.

I heard that the Youxin loan company in Shanghai is very good, and there are many loan products, so if you want to find a Youxin loan, what are the application conditions and required information? What are the application methods and repayment methods? Let's introduce them one by one.

1. What are the application conditions for Youxin loan?

1. Chinese residents (excluding residents of Hong Kong, Macao and Taiwan);

60 years old; 3. Residence address for more than 6 months;

4. Private owners: registered for more than half a year.

2. What information do I need to provide to apply for a loan?

1. Second-generation resident ID card;

2. Valid work certificate of the current unit;

3. Bank statements in the past 3-6 months;

4. Valid residence certificate within the past 60 days.

3. What are the ways to apply for a loan?

4) Visit the Youxin sales department for on-site processing.

4. How to repay the loan?

1. Entrusted transfer for repayment;

2. Repay the loan to our designated account by transfer.

Summary. Hello, I am helping you to inquire about the relevant case and will reply to you immediately.

Hello, I am helping you to inquire about the relevant case and will reply to you immediately.

Hello, Youxin Credit is not a formal online loan company.

Yes, they just said that it was a microfinance company.

Don't pay attention to the routine loan, if you are given a loan, let the payment be ignored, and the people who want you to pay before the next payment are ** online loans.

Please take a closer look at the content of my question. I have made it clear what happened and what happened.

You didn't say that.

Hello, are you still there?

Just ask this question.

Yes. What about online loan companies?

I just made it clear in the details of the question? Can't you see so much of what I've written? In December 18, the loan was 126,000, 36 installments, 120,000 whole installments, each installment was repaid, and 29 installments have been repaid, according to the international interest rate, he has reached a usury, and I don't plan to repay the remaining 7 periods, they call ** to let continue to repay, otherwise they have to go to their company's legal department to urge payment, or let me sue in court, subject to the court judgment, if I win the case, I don't have to pay it back, they will continue to pay it back.

I wonder what other risks I will face and what I can do next?

I can't see it, I only see it now.

I'll help you figure out if the interest rate is more than 36%.

I just calculated for you that the interest rate is 21%.

Not more than 36% of you can't win a lawsuit.

After calculating the interest rate, it is only 21%.

Nothing more than you say.

The actual return to the mu is 120,000 yuan, 36 periods * yuan =, how do you calculate it is only 21%? Isn't it (gross interest rate?) What is the APR?

Divide by 126,000 and you're miscalculated and can't be 12000071 by your 3= by your calculations, i.e. not more than 24%.