Not reliable. It's basically usury, and the interest is rolling. If you can't pay it back in time, the interest will be enough for your life.

1. Although offline signing is a normal behavior, it is also very dangerous because some big transactions need to confirm whether you have repayment ability or your identity in person, because there are always small platforms that will play tricks on it. When you realized later, you found that they added some information that was not good for you. It was too late, so we had to wipe our eyes clean. Be careful about online loans, because there are many immoral people on the Internet, such as asking you to pay the handling fee in advance, which is deceptive.

2. Whether you apply for loans online or offline, you need to apply for loans through formal lending institutions, which not only protects personal privacy, but also avoids the damage of traditional loans to your own rights and interests. At present, offline loans mainly include some bank outlets and offline branches of some Internet financial institutions. When signing an offline contract, the customer service staff or loan officer will inform the information to be handled in advance. Such as identity cards, designated loan cards and other supplementary materials. If it is not completed, it is likely that the signature will be interrupted and rescheduled.

3. Compared with online loans, offline loans require users to apply to offline business outlets and institutions and sign contracts. Generally speaking, the online loan we directly apply for online can be understood as an online loan, while the car-to-car, house-to-house and secured loans we apply for in banks or institutional entities can be understood as offline loans. Whether it is an online loan or an offline loan, the interest must be clear. The annual interest rate exceeds 36%, which belongs to usury. Some organizations play different roles and share benefits with others. When calculating, you only need to calculate the total cost. Compared with online loans, offline loans require users to apply to offline business outlets and institutions and sign contracts.

Generally speaking, the loans we directly apply for online can be understood as online loans, while the car-to-car, house-to-house and secured loans we apply for at banks or institutional outlets can be understood as offline loans.

Operating environment: Huawei nova7Pro 2.0.0. 168.

Is the online loan of the three platforms a routine?

This situation may be suspected of routine loans, and there are many cases of routine loans now.

1, routine loans are generally covered with online loans, and there are acts such as illegal possession of other people's property and suspected fraud.

2, and online lending is essentially private lending, mainly to obtain loan interest.

What is a network routine loan?

As long as you have the following behaviors, you can identify it as a routine loan:

1, fabricating facts for the purpose of illegal possession and defrauding property;

2. Fraud, violence, threats and false litigation are all used;

3. Helping illegal lending institutions intentionally harm, illegally detain or disturb the normal life of borrowers, their families and friends.

The basic "routine" of routine loan

1, look for it.

Generally speaking, college students, office workers with strong consumption desire and no repayment ability, or black households with online loans are in urgent need of money, and can only obtain funds through some non-threshold usury.

2, sign a contract of Yin and Yang, forged bank flow.

This is the most common routine method at present. For example, if you actually only borrowed 654.38 million yuan, you can write 1.5 million yuan in the contract, and explain that 50,000 yuan is a guarantee and will be returned at maturity. In fact, there is no such thing.

In order to cooperate with the yin-yang contract, it is necessary to forge the bank flow. The swindler will try to get the borrower to take 1.5 million from the bank and pay back 50,000 cash, so there is no evidence even if the lawsuit is filed.

3, deliberately let you overdue

There will be some restrictions, such as system anomalies, upgrades, etc. That it is impossible to repay, and the interest is so high for one day overdue that the interest cannot be paid off for every extra day.

4. Revolving loan

Liars will introduce you to other loan companies to borrow money, and then continue the routine in the same way. The final amount is unimaginable. You may have to sell your house and your car.

Is there a service charge for online loans a regular loan?

The service fee of the loan platform is actually that when customers apply for online loans, the platform will charge customers a certain fee for providing loan services.

At present, there is no clear limit on the service fee of this loan platform. It is also a market behavior for online loans to collect platform service fees. As long as the platform charges are reasonable and the comprehensive real annual interest rate of the loan does not exceed 36%, there is no problem.

Of course, everyone should be vigilant. Some online lending platforms say that they charge service fees, but in fact they charge "beheading interest", that is, they directly deduct some money from the principal when lending money. For example, if someone applies for a loan of 3,000 yuan, only 2,500 yuan will be paid back, and the less 500 yuan will be beheaded.

The design of beheading interest is a regular loan that is explicitly prohibited, and the loan interest shall not be deducted from the principal in advance. If it is deducted from the principal in advance, the platform should return it according to the actual loan amount, and then recalculate the interest.

Besides, everyone should be careful. Some platforms may charge some extra high margin, late fees, etc. If the loan is charged at a high price, the customer can collect evidence and report it to the platform.

Extended data:

What are the types of conventional loans?

To put it bluntly, routine loans are those behaviors that defraud money through various routines and means under the banner of private lending. The common routines of conventional loans mainly include:

1. Manufacturing "Yin-Yang Contract":

When signing a loan agreement with the borrower, in the name of industry rules such as liquidated damages and deposit, the borrower is tricked into signing a false contract. Transfer the inflated loan amount to the borrower's account, and then let the borrower withdraw cash at the counter, thus creating the illusion that the bank flow is consistent with the loan contract, but in fact the borrower can only get part of the loan amount.

2. Deliberately stalling:

When the borrower repays the loan, the routine loan will deliberately create obstacles, such as system failure, so that the borrower can not repay the loan on time, and then demand high penalty interest and liquidated damages in the name of the borrower's overdue.

3. "Balance account":

After the routine loan forces the borrower to breach the contract, it is actually to further increase the borrower's loan amount by pretending to help introduce or play other companies to sign contracts with the borrower for settlement; Then "repeat the same trick" and let the borrower default on the second loan for various reasons, thus making the debt pile up higher and higher.

4. Violent collection:

When the borrower is overdue, he will urge the borrower to repay the loan through various intimidation and violence, and may constantly harass and threaten the borrower. False litigation, for example, will seize the property of the borrower or his relatives in the name of suing the court or contacting the public security for arrest.