1. Operating qualification of loan platform All legal loan platforms have formal business licenses, organization code certificates, etc. Borrowers can log on to the website of the Administration for Industry and Commerce to view relevant information. Check whether the company affiliated to the platform is registered, registered capital, registered address, legal representative, etc. , and check in detail. After confirming that the loan platform has formal business qualifications, you can consider the problem of lending on this platform.
2. Application threshold of loan platform Although the application threshold of loan platform is lower than that of banks, it does not mean that there is no threshold. We should know that the purpose of lending institutions is to make profits, and the premise of lending to users is to ensure that funds can be recovered. Therefore, it is necessary for users to provide information that can be used for risk assessment, such as personal income, credit information, repayment ability, etc. These are important references for lending on loan platforms. Those platforms that claim that they only need personal ID cards or even black households can pay, in addition to exaggerating publicity, there are many informal institutions, so don't trust them easily.
3. Will the loan platform charge fees in advance? The formal loan platform will not charge any loan fees before lending. If the loan platform requires payment before the loan, no matter what the excuse, such as credit review fee, handling fee, introduction fee, guarantee money, prepaid interest, risk assessment fee, etc., the borrower must be vigilant.
How to calculate the repayment method of loan interest: monthly repayment amount = [loan principal× monthly interest rate× (1+ monthly interest rate )× repayment months] ([(1+monthly interest rate )× repayment months-1] monthly interest payable = loan principal× monthly interest rate× [()]. ÷ [(1+monthly interest rate) repayment months-1] monthly repayable principal = loan principal × monthly interest rate ×( 1+ monthly interest rate) (repayment month serial number-1); 【（ 1）
Total interest = repayment months × repayment amount-average repayment method of loan principal: monthly repayment amount = (loan principal ÷ repayment months)+(loan principal-accumulated amount of repaid principal) × monthly interest rate = loan principal ÷ repayment months × monthly interest = remaining principal × monthly interest rate = (loan principal-accumulated amount of repaid principal). × monthly interest rate = monthly repayment amount× monthly interest rate = loan principal ÷ repayment months× total monthly interest rate = [(total loan ÷ repayment months+total loan × monthly interest rate)+total loan ÷ repayment months× (1+monthly interest rate)].