Except for loans between natural persons, if the agreement between the borrower and the lender on loan interest is unclear, the lender claims interest. The people's court shall combine the contents of the private loan contract. And determine the interest according to the local or the parties' trading methods, trading habits, market interest rates and other factors.
1. Yirendai
Pleasant Loan is an online lending platform owned by CreditEase, a professional and established credit company. CreditEase is located in the town and invested by the world's top investment institutions, including Morgan Stanley, IDG Capital and Peng Kaihua Ying. It should be said that the platform has always been very low-key, and the strength is in front of everyone. The transfer and withdrawal efficiency is really high, and the service attitude is also a professional Internet level.
Step 2 rent a shot
In China, P2P peer-to-peer lending platform was built earlier, which requires investors to pay conditionally and bear certain risks. However, the loan review and collection mechanism is better and the management cost is lower. The idea of auctioning off loans has been innovating all the time. The most obvious example is to cancel the audit: give up any link of the transaction, so that auctioning off loans will become a lonely platform, and lenders and borrowers will trade entirely on their own. The auction of loans is only a third party to "witness" the legally binding loan relationship.
3. Rong 360
Rong 360 is an intelligent search platform focusing on the financial field, providing enterprises and individuals with professional online search and application services such as loans, credit cards and wealth management. At present, it has cooperated with nearly 10000 financial institutions, covering 30000 kinds of financial products. Rong 360 is a typical format of "Internet plus finance". It is a new type of online financial service company, which uses big data, search and other technologies to visually present financial products of hundreds of banks to users.
4. The loan platform of Chongqing Post is formal, and Chongqing Post is operated by Chongqing Post Branch. Chongqing Post, a subsidiary of Chongqing Post, is an exclusive online credit APP launched by China Postal Savings Bank. There are mainly my consumption-postal salary loan and postal study loan, which are mainly used for daily consumption and study abroad education. In addition, for small and medium-sized enterprises, Shangle Loan was launched, and the maximum amount can be applied for 500,000 yuan. It is very useful for some enterprises that lack liquidity. Applying for an easy credit loan is relatively simple. If it is a customer on the postal white list, it is easy to get a loan. The maximum loan application amount can reach 300,000 yuan, and the loan period is between 6- 12 months.