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Can I borrow money from one online platform and borrow money from other platforms?
Yes, but the interest will also increase.
Various bidding and repayment methods of peer-to-peer lending platform
1, credit standard
Credit standard, as its name implies, is a kind of loan made by the borrower with his own credit after passing a series of basic credit certifications on the online lending platform, without collateral or guarantor. At present, mainstream online lending platforms generally pay 100% of the principal if the creditor's rights invested by vip lenders are overdue, and a few platforms also pay interest on the creditor's rights.
2. Mortgaged subject matter
As the name implies, the subject matter of mortgage is that the borrower has gone through the mortgage formalities on the online loan platform and has a loan with collateral (usually a house or a car); The current online lending platforms all guarantee the principal and interest of the mortgage target. Once overdue, the platform immediately advances the principal and interest, and the creditor's rights are transferred between the borrower and the platform. Some platforms have different names, which may be called "recommended bid", "quick loan bid" and "strong bid", but the meaning is the same. Generally, there will be a small picture of "pledge" or "recommendation" or "compulsory" in the title of the mortgage target.
3. Ensure the goal
As the name implies, the guarantee object is a loan guaranteed by someone in the middle, and the guarantor can be one or more people; If the guarantee target is not overdue and the repayment is successfully completed, the guarantor will get the guarantee reward promised by the borrower in advance (generally1%~ 5%); If the guarantee is overdue, the guarantor shall pay the principal and interest to the lender; At present, the mainstream online lending platform will technically ensure that the guarantor's account has enough "net value" to guarantee the target he guarantees, and there will be no situation in which the guarantor's own account cannot pay the overdue guarantee target; Therefore, the subject matter of guarantee can also be considered risk-free, but if it is overdue, the number of days of payment is different from that of the subject matter of mortgage. The general guarantor repays the principal and interest after 30 days overdue (while the mortgage target is generally paid immediately by the platform on the second day overdue); The tender for the subject matter of guarantee is divided into two stages. The first stage is the guarantee stage. Before the guarantee ratio reaches 100%, the lender cannot bid. The second stage is that the lender can only start bidding after the guarantee ratio reaches 100%. A small picture of the word "bear" usually appears on the title of the security object.
4. The second sign
Erbiao is the abbreviation of "Erbiao". As the name implies, it means to pay back the borrowed money immediately. The second sign is mainly an entertainment sign, which plays the role of "sending red envelopes online"; There are mainly two kinds of people who send the second sign: one is ordinary netizens, in order to celebrate something (such as getting married and having a child over one year old)