1, unreliable, don't try it easily. Better find a reliable platform. The simple and popular understanding of loan is to borrow money with interest.

2. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Personal experience sharing

With the tightening of credit policy, the dominant position of mortgage is no longer, and small and medium-sized banks have begun to change their business direction. Personal consumption loans, personal business loans and personal loans have become the focus of their work this year. Even the big banks that used to look down on individuals have begun to stir in this field. The banks that individuals do better are mostly joint-stock banks and foreign banks, such as Ping An, Ningbo, Xingye, Citigroup and Standard Chartered. There are also some other financing platforms. After several years of publicity, large and medium-sized cities have a certain understanding of this new loan method. But in general, some high thresholds and high interest rates limit personal development.

If you want to buy a car, travel, decorate, etc., you don't want to borrow it from friends, relatives or even parents. Then, the individual is your best choice. Doing today's work with tomorrow's money is the best interpretation for the individual.

But how and where to deal with it. With my years of experience, no matter what kind of loan I apply for, I have to go to the bank in person. Before, I could know the specific information about the loan I need by phone or online, such as what conditions an individual needs to apply for and what information to provide after meeting the conditions. Where to go when the materials are ready, who will receive you and what information to fill in. How long will it take to know the result of the loan application after application? These are all things you need to know.

Many of us often don't pay special attention to protecting our private information, and give copies of ID cards, real estate licenses, academic certificates and so on to others at will. It's okay to meet people in charge, but in case you meet people with ulterior motives, they will often do something illegal through your information. According to my former colleagues in the bank, people in a bank's credit center stole customer information and forged credit cards to cash out, which caused huge losses. Therefore, no matter what kind of loan you apply for, you must take good care of your information.

Personal interests are often mentioned by customers. My habit is that every time I meet a customer who needs a loan, I will first ask their situation and judge whether their conditions are suitable for a loan. Then I will give them a choice, usually mortgage and mortgage, and give them the most suitable loan scheme. Here, I will tell them the expected annualized interest rate. Let them weigh the gains and losses, choose or not.

The expected annualized interest rate of unsecured individuals is definitely higher than that of mortgage loans, which is a completely different concept of loans. One is the need for collateral, and the other is based on one's own credit, and no collateral is needed. Once there is a risk of bad debts in mortgage loans, banks can repay loans with collateral. But once individuals have bad debts, banks can only bear the risks themselves. So many people don't understand why unsecured interest is so high. In fact, it is because high interest rates are based on high risks.

How to get small business loans quickly?

These days, Mr. Ke is very anxious. The company is in short supply and wants to apply for a loan for its operation. However, judging from his past business of applying for a loan in a bank, he couldn't get a loan without ten days and a half, and now he is in urgent need of money. So, is there any way for him to get a small business loan quickly? Next, let's share our experience with you.

There are two ways to get small business loans quickly, one is to apply for credit loans, and the other is to apply for automobile mortgage. Below, introduce them respectively.

I. Applying for a credit loan

In addition to individuals, credit loans also serve self-employed individuals and small and micro business owners. Applying for a credit loan is for business, and the loan conditions are different from consumption. Generally speaking, the application conditions for credit loans are:

1. Age requirement: 2 1-55 years old;

2. Operating years: 1 year registered operation;

3. Business requirements: the average monthly running water is more than 6,543,800 yuan;

4. Credit requirements: Good credit.

Second, apply for automobile mortgage

The loan speed of automobile mortgage is faster than that of credit loan, and it can generally be lent on the same day. However, even if it is used for business, the borrower must use his family car as collateral. If the car is operated under the name of the company, generally no lending institution is willing to accept it. In addition, car age, valuation and other aspects must also meet the application conditions in order to obtain loans.

Experience sharing of CCB's small and micro fast loans! This is a quick way to increase the amount!

Now all major banks have loan products specially designed for small and micro enterprises, including China Construction Bank. Small and micro fast loans of China Construction Bank are specifically aimed at small and micro enterprises. However, the initial credit line of CCB's small and micro fast loans is often not very high, which may not meet all the loan needs of everyone. Here, I would like to share with you the experience of CCB's small and micro fast loans, hoping to help you increase the credit line as soon as possible.

According to the past experience, the more effective ways to increase the quota are: opening a running account, keeping a good loan record, increasing the financial assets of CCB and replenishing collateral.

1. Open a current account.

If you want to increase the small and micro fast loan quota of CCB, then you should open an ordinary fund running account in CCB. As long as everyone can ensure the steady growth of CCB's capital flow account, it is not difficult to increase the quota.

2. Keep a good loan record.

After obtaining the credit of small and micro fast loans from CCB, everyone can start lending from a limited credit line and gradually accumulate loan records. As long as everyone's loan demand is stable and the repayment record is good, CCB's small and micro fast loan quota will further increase.

3. Increase the financial assets of CCB.

When determining the credit line, the borrower's financial assets in CCB will be considered. Therefore, everyone should deposit the idle funds not used by enterprises into the Construction Bank.

Step 4 replenish collateral

According to the previous operation, if the borrower can provide CCB with more valuable collateral, the withdrawal speed will be significantly faster.

The above is the experience of CCB's small and micro fast loan, and I hope it will be useful to you.

Let's share how your various loans came out of the pit.

Speaking of which, I am more experienced.

65438+In May 2008, the store was completely bankrupt and closed. All the debts can't be repaid in time, and what people owe me won't be returned. At that time, traffic credit card was 24,000, Minsheng credit card was 25,000, China Merchants credit card was 9,000, Huaxia credit card was 5,000, and China Bank spent 1.5 million. In addition, friends still owe hundreds of thousands, totaling more than 200 thousand. The bank urged you all day like a death warrant and contacted my family. I explained my overdue situation to them in a friendly way, but they said that I sympathize with you, but it is only natural that the bank should pay its debts.

After more than a month of continuous collection, I no longer humbly beg them to give me a little time buffer. I answered the phone when it came, but I had no money to pay it back. I also pay one or two hundred yuan a month, and I will pay more if I have some money halfway until they hand over the case to a third-party collection company in Hefei. People who accept the company are crazy, threatening to collect money at home, seize assets, go to jail with credit cards and so on. I don't care about them. I told them about the relevant laws and popular science, so don't threaten me. I didn't return my credit card for the first time. After more than a year of normal repayment, the store went bankrupt and failed to pay back. After many negotiations, your bank refused and I paid it back every month. If you think this is a credit card, go ahead. I'll wait for the summons at home. Later, the Bank of Communications came to the door. Two men, in suits and ties, were polite and brought a so-called notification letter, which meant that they would go to jail if they didn't pay back the money immediately, and the birds ignored them. I told them about legal knowledge and common sense of borrowing and lending, about debt handling procedures, and the difference between criminal and civil affairs. They left in frustration.

In the end, Traffic Credit Card will be exempted from all overdue fees, penalty interest and liquidated damages, including the interest in previous installments. As long as I return the principal, Minsheng Credit Card will be exempted from all fees, and the principal will be repaid to me in installments, with a monthly payment of 1,000 yuan, and the repayment will be over.

Others are still being worked out, so we should negotiate and deal with them slowly. At present, it is important to make more money and strive to pay off debts as soon as possible. Life is ups and downs, you can't be discouraged when you fall, pat the ashes and rub the pain, stand up and continue to work hard.

Of all the people who owe online loans, the most innocent and wronged should be me! Others have at least enjoyed it. As for me, the money was only spent in my card and only given to others. Others enjoy it, but I am heavily in debt.

My online loan started from June 2065438+2008. At that time, I had a stable job and a stable salary, and I would buy it with a credit card at buy buy, but the salary was enough and my life was still moist. However, one day, my best friend asked me to meet him. We have known each other for almost ten years and have always had a good relationship. We have a high degree of trust in each other and gave each other our mobile ID cards and bank cards.

After the meeting, she said that she had been in financial difficulties for a long time, and asked me how much Sesame's credit was and whether I could help her borrow some money to turn around. I said that she was very happy when I got more than 700 points in the exam, and asked me to help her borrow money and pay her back every month. I refused at first, and the meeting ended happily. After two months, we met again, and she told me about the online loan. I didn't agree at that time, but asked another friend who lived with her privately. After considering all aspects, I promised to help her with a loan of 50 thousand. 50 thousand is acceptable to me if it is not what she thought at that time.

The next day, she invited a sister with a special loan to help me. I got more than 10 million that day without my knowledge. I think since she is so short of money, I can borrow more money to help her tide over the difficulties. Later, I brought more than 10 online loans, totaling 280,000. I was like crazy at that time. I wanted to continue, but in the end, under the strong opposition of my boyfriend, I finally brought her 280 thousand, and all of them were transferred to her.

A few months ago, she did repay the loan on time, and then she slowly needed me to urge her, and then she was overdue for about a week from time to time.

It's less than February, 20 19. It's half a month overdue. She told me that she was cheated and all the money she invested was cheated. She is going to go to court, and when she gets the money, she will give me back the remaining 200,000. But at the same time, I may have to help her bear all this. By that time, I had resigned and went home to get married. I thought that in that case, I would return it for her first.

After that, she lost contact. In March, I received a phone call urging her to pay her debts. Except for me, she has always owed more than one million yuan outside. Online loans, banks and friends are looking for her all over the world, and she is gone.

In May, she contacted me and told me that she was at a friend's place. Her friend is willing to help her pay back my money, and the repayment date is mid-June. In the meantime, she borrowed money from me again, but I didn't. Then I lost contact, and I didn't see her when the repayment date arrived, let alone pay back the money.

I used my savings to help her pay back hundreds of thousands of online loans, and now there are hundreds of thousands left. There's nothing I can do. During that time, every day was a collection call, and every day was a repayment day, which made me angry several times, but she completely lost contact. In early July, her family called me and promised to help her pay back the money. Then she paid me back 10,000 yuan in mid-August.

In September, I gave birth to my daughter early. I have no money. My mother-in-law paid for it. In mid-September, all the bills were overdue. Every day, I made various collection calls and confessed to my family. My family helped me pay back 40,000 yuan. There is still 1.2 million yuan left. There's nothing I can do.

I was able to pay back the credit before, but now it has taken a long time and I don't care. I contacted her home a few days ago and gave me the answer that they weren't there when we borrowed money, and they didn't care. If you want to call the police, let me call the police, eh ~

At present, lawyers have been consulted and materials have been prepared. I hope I can escape from my misery as soon as possible! Give it back to my daughter, the sunny and happy mother.

In fact, if you want to go ashore, the most important thing is to earn money and pay off the loan. It's just that you have to bear all kinds of pressure in the process of earning it back. Family, psychology, Cui Shou, work. The most important thing is that Cui Shou is under great pressure. If Cui Shouyi of Net D fails to negotiate, he can avoid it a little, but Cui Shouyi of Xinyongka can't avoid it. Try to negotiate

Take off the pit? It's impossible. It's been two years, and I haven't left the pit yet. I still pay it back every month. At the thought of this day, I am so big that I have to rob Peter to pay Paul. I'm really fed up with this kind of life. I've been thinking about how to pay it back for 20 days out of 30 days in a month, and I really don't know when it will end.

I started to get in touch with online loans on 20 16, and Xiaomi Finance is one of my loans. At that time, it was only 2000 yuan at first, and it rose to over 2W in less than half a year. I thought it was cool to have so much money, so I took it out and bought a laptop, which was not a formal start (it was still 20 17). Then I went to Guangdong and went to my friends. He asked me to lend him some money from Xiaomi Finance because he had no money to do business. A month passed, and I paid it back on time, without affecting my normal life. If the period is overdue by one week, it will not affect my credit and reputation.

20 17 came, and the nightmare began slowly. I work in a company. Suddenly one day, someone who specializes in online lending came to the company to lend money to the boss's younger brother. After the matter was done, we had a few words. My eyes lit up when I said that my sesame score was 700. I said the sesame score was so high that the loan was good. I don't think so. Seriously, they said they asked me if I wanted to borrow money. Later, the boss's brother said to lend it to me, and then he would give you 20 cents interest every month. Then the lender also said something nice to let me borrow it. I wanted to find 2 cents interest, so I asked them to start paying back more than 5W, and then he borrowed more than 1W from my online merchant loan, and I directly transferred it to the boss's brother, the boss's brother. A few months after the loan, I paid it back on time, and then the problem came. On the day of repayment, I sent a message saying I couldn't open it and couldn't get it. My nightmare began. I have no choice but to find a way to fill the hole myself. I can still get the money back in the first two months, but then I can't. I started looking for new online loans to pay back, and the days of robbing Peter to pay Paul began.

Day after day, year after year, I started to make online loans and credit cards. I do my best. At the end of 20 18 last year, I had no money for the new year. At the beginning of this year, I was overdue, so I couldn't go on. I am a graphic designer, and my salary is not enough at all. The only good thing is that there is no problem with my credit information, but it is very messy, and the big data on the Internet has completely collapsed. I really want to end this life as soon as possible and return to a normal life. Every day, I suffer from how to repay the loan and how to swipe this credit card to make up the next one. It's like living a life, which completely disrupts my life rhythm! Finally, I advise you not to touch online loans in the future. People who are exposed to online loans should try to get out of the pit as soon as possible and don't get stuck. If I don't touch the online loan, it will be enough for me to pay the down payment for a house in our county. It's ok, and cherish it! ! ! I hope that people who have online loans can know the benefits after seeing my answer! ! ! !

I started my business on 17, and I want to be bigger when I am a little better. Later, I met a liar and got five credit cards, the total amount of which was less than 15. Alipay borrowed 20,000 yuan, and its friends were 65,438+10,000 yuan. Later, I didn't want to know through my family, but wanted to carry it alone. The money for borrowing the car was returned to the friend first, but the credit card was not returned. It never happened to me when I was young, and the bank didn't answer the phone. Later, when I came home, I learned that the bank negotiated at the first time, so I advise you to contact the bank in time when you know that you are incapable to avoid all kinds of troubles in the future.

20 18, 12, all platforms stopped paying money except 7 14. In order to protect the address book, I borrowed 7 14, at most 18 7 14.

20 19 The whole Spring Festival was spent on the repayment phone. Every day is the repayment date. I came home in my thirties, thinking about the bill of the first grade, borrowed my mother's 5k, and added 7 14 cycle until the tenth grade. After that, the three 7 14 companies refused to let go, and the money was still in it, so I couldn't get it out. I was completely cheated. I am also completely awake and realize that I can't continue the vicious circle. At that time, I was under great pressure. I couldn't eat or sleep, and I couldn't sleep all night. I lost weight. Gaunt. Want to die every day. There is no idea of living at all. ) I began to confess that my mother didn't scold me as I thought. He gave me all the money at home, and my father lent me more than 3w. (65438+July 2008, my father had an aneurysm operation. It cost about 6.5438+0.5 million. So there is not much savings at home. )

My brother lent me a small loan of 1 0,000 and transferred it to me through WeChat. My brother has to support his family and raise children, so he doesn't have much savings. )

Friends here also gave more than 40 thousand. Go to work by yourself during the day. Ktv sells membership cards at night.

With the help of my family and friends, I can finally go ashore to catch my breath. You can stop being afraid of the phone ringing. I'm not afraid to read text messages anymore. Finally, I can stop insomnia. Until now, I'm still trying. Supermarkets are being promoted and developed. Time outside the main work. Everyone is working. I haven't bought new clothes for a year because of wd. I haven't bought cosmetics. I just want to pay back the money I owe.

Credit cards can be repaid by software. I did it for myself. Other loans have priority in credit reporting. Don't listen to others, online loans can't be credited and don't have to be returned. Many people will go to the city. On the one hand, they will try to repay. On the other hand, they can negotiate with banks or online loans to reduce the repayment amount next month. Never repay the loan with a loan, so you will never finish it. If you really can't afford it, tell your family.

In fact, there is no shortcut out of the pit. Simply put, it is to make more money and spend less money under reasonable and legal circumstances, and then pay off your debts slowly through continuous efforts.

I'd better introduce it in detail. I hope all my friends who see my answer can motivate themselves through my answer and get out of the pit as soon as possible.

First of all, sort out your debts, make every debt clear, make it clear. To be clear, when will this debt be repaid? How many problems remain unsolved? What is the principal and interest of each installment? Can I return it in advance? Wait, wait, wait.

Second, collect your own funds and sort out the money in each savings card and the available amount in the credit card. And your own salary should be sorted out.

Third, use all your own resources, try every means to accumulate funds, and strive to keep your own funds in the chain. Only when the funds are linked up will the penalty interest cost not increase.

Fourth, tell your family and get their help. It must be much easier for two people or a family to pay off debts than for you to earn money alone.

It is estimated that it will take another year for my pit to be repaid. The bank has reduced the quota by more than 40,000 to 7,000, but it is not bad to enter the minimum every month! My friend's money is 7000 yuan less than my aunt's 1.6. Try to pay it back next year.

It's hard, it's hard. You have to make money slowly and then pay back the money slowly.

Beginners must watch it! The success rate is 99%. The experience of forced landing of online loans!

Online loans have solved the financial problem for many people, but private online loans are mixed. Although payment is easy, it is easy to trigger a credit crisis. If you are in loans overdue, you may face violent collection. So what do you need to pay attention to if you want to land successfully? Let's share some good experiences today.

I. Classification of online loans

The so-called forced landing is not that all online loans are not repaid, but that the problem is solved step by step through scientific methods. So the first thing to do is to list all the borrowed online loans.

Classification method: name of online loan, whether credit has been granted, nature (bank, licensed, large-scale, anti-aircraft gun, conventional loan), loan amount, loan term, repayment date, overdue time, remaining unpaid amount, and collection intensity (telephone bombing, address book explosion, P chart, door-to-door etc.). ), as well as comments.

Repayment order: the annual interest rate of large-scale licensed loan companies in bank consumer finance is less than 24%; 174 anti-aircraft guns, routine loans and other illegal loans can be repaid first.

Second, the preparation for forced landing.

1, prepare a new mobile phone number. This depends on the number of compulsory online loans. If it is less than five, there is no need to change the new number. If there are too many, the old mobile phone will have a steady stream of harassing calls every day, which will affect normal life. It is recommended to use an alternate number.

2. Confess to your family. Your family will always be your most solid backer, so try to get the understanding of your family, relatives and friends first and say hello in advance, so as not to blow up your address book and cause many misunderstandings.

3. Understand financial knowledge. We must have a clear understanding of online loan collection. In addition to bank financial institutions and licensed companies, few online loans will choose the way of door-to-door collection, and the cost is too high. In addition, private lending is a civil case, and it is impossible for the police to arrest people at home. This is a collection fraud. Don't trust the arrest warrant, lawyer's letter and account book sent by the collection, but verify the authenticity by yourself.