The online loan has not arrived, so it doesn't have to be paid back every month. When the loan funds arrive, it is considered that the lending institution has fulfilled its lending responsibility. At this time, the user needs to repay according to the loan contract. If the loan funds are not received or the lending institution does not lend money, then the loan contract will not take effect, and the user naturally does not need to repay if the contract does not take effect.

In fact, online lending is not difficult to understand. All processes such as authentication, bookkeeping, clearing and delivery are completed through the network. Borrowers and borrowers can achieve the purpose of borrowing without leaving home. Generally, the amount is not high, there is no guarantee, and it is pure credit lending. Online lending is divided into b2c mode and c2c(p2p) mode.

P2P loan model

B2c mode

B of b2c generally refers to banks, and some websites also provide products of loan companies. Generally, online b2c loans rely on online lending platforms to complete pre-lending work. According to different rules, some applicants need to go to the bank offline. At present, the b2c model is restricted by the region, because its business entities are all institutions with geographical restrictions, and its coverage needs to be expanded.

C2c(p2p) mode

P2P is short for Peer to Peer, which means person to person. In this mode, the applicant can decide the interest rate, term and other conditions independently according to his credit status and repayment ability, and Party B can freely choose the object he wants to borrow like online shopping.

cheat

1, the company name is relatively large, so the so-called "Chengxin Group", "xx Loan Group" and "xx Loan Group Company" simply cannot exist, and it is impossible for the industrial and commercial departments to allow the registration of such company names.

2. Some will pretend to be banks or well-known companies, but they don't have an office address and can't provide real company business licenses and personal ID cards.

3. Advertising information generally only provides mobile phone number and contact person. Through the mobile phone number query, we can see that publishers are concentrated in a few provinces in China.

4. The loan terms are easy, and there is no need for mortgage and income check. Basically, you can get a loan with your ID card.

5. When the borrower is tempted, the liar will ask for the fee first for various reasons, such as "interest, lawyer's fee, verification fee, insurance premium, handling fee, deposit" and so on.

6. When the borrower pays first, it is found that the liar's mobile phone can no longer be dialed, and even some borrowers are cheated without knowing the other company, personal name and ID card, or even knowing where the other party is.