2. Find out the purpose and repayment method of the loan.
What does the borrower do with the money, such as buying a house, buying a car, whether he has a fixed income, etc. Ordinary civil servants, doctors, teachers and other occupations have relatively stable repayment.
3. Know whether there is a company guarantee, whether there is a risk deposit, and generally how much.
Repayment risk guarantee refers to the repayment of principal and interest in advance with the amount in the repayment risk account when the borrower on the creditor's rights list corresponding to the investor is overdue or has bad debts.
Many people in the P2P industry said that it is not a big deal for P2P projects to be overdue, and it is impossible for a normal development platform to have no bad debts. The platform's ability to avoid bad debts is mainly analyzed from the platform project type and risk control means. If most of the projects in the platform are mortgage loans, the bad debt risk of the platform is small, and if all of them are credit loans, the risk is relatively large. The risk control capability of the platform determines the extent to which the platform can develop, and the risk control needs a strong ability to predict bad debts in order to help the platform truly avoid risks.
At present, the better small loan platforms on the market are: cloud investment loan, cash loan, lightning loan, Ping An Pratt & Whitney Ping An I loan and so on. P2P platform: As long as you and I find the real official website, we can apply for loans, such as pat-pat loans, pat-pat loans and pleasant loans.