Baby staging is not a formal online lending platform, but a fake platform, a complete usury platform. Recently, it has been reported on the Internet that their handling fees and interest are very high. Many people have been cheated. Don't touch them. I suggest that you must pay attention to these two points when choosing an online lending platform: 1. Products should be regular. Whether it is brand or product qualification, it is more reliable to choose regular big brands, and it is more reliable to certify genuine products to prevent black loan fraud; 2. Interest and amount are very important. Although the amount of the loan platform is generally linked to personal credit, there are many activities on the formal platform, and the higher the amount, the lower the interest.

First, the influence of loans overdue:

First, late payment will affect personal credit. If a lender borrows money from a bank and fails to repay it within the time limit, his personal credit report will leave a bad credit record. It is very difficult to apply for credit cards and loans in the future, and most of them will be rejected, which will cause many troubles to personal production and life.

Second, the most direct consequence of not paying back the credit loan is a high penalty interest, and you may have to pay a certain penalty. Even the principal and interest add up to a lot of expenses, and the result of not repaying on time is to increase my economic pressure.

Third, in loans overdue, the lender will face all kinds of collection. Banks or financial institutions have their own collection systems. After the lender is overdue, the first-class collection will send you a text message and call for a reminder. If it is not returned for a long time, and the degree is serious, there will even be a collector to collect it in person. This overdue staff member should be prepared and try to pay off the money at the first time before solving it.

Fourth, if the loan is overdue for a long time and the amount is large, the lender may be sued by financial institutions. After the lawsuit is accepted, the assets of the lender may be sealed up after the court pronounced a sentence. This is the "repayment reward" that the lender must implement, otherwise the court will seal up the property and other assets under your name according to law to repay the arrears with the proceeds from the auction.

Fifth, if the circumstances are serious, you may go to jail. Under normal circumstances, such incidents as borrowing money and not paying it back are civil disputes and will not rise to the criminal level. However, if some lenders refuse to implement it and insist on not paying it back, if the circumstances are serious or bad, the court will also investigate the criminal responsibility of the borrower according to the circumstances, and even go to jail if the circumstances are serious.

Second, the loan matters needing attention

1, loan amount:

When applying for a loan, the amount applied for should not be too high. The larger the loan amount, the higher the possibility of rejection. At the same time, borrowers should also apply for a loan amount according to their repayment ability to avoid the economic pressure caused by excessive monthly payment.

2. Loan information:

The borrower must ensure that the information provided to the lending institution is true and complete. Once suspected fraud is discovered, the lending institution will directly refuse the loan.

3. The purpose of the loan:

When filling in the loan purpose, the borrower should write down the loan purpose frankly and clearly, which will make it easier to pass the examination.