Small loans with no threshold, killing a group of young people (a)

I have recently been focusing on a group of people who have been victimized by online loans, and when we don't pay attention to it, we feel that these are too far away from our lives. But when we pay attention we realize that sometimes poor people are destined to be poor. These people are despicable and are being called for debt every day. As the old saying goes, those who are lovable will be hated. There are only a few kinds of people who borrow online loans,

The people who love vanity. I'm not sure if you're going to be able to get a good deal on this, but I'm sure you're going to be able to get a good deal on this. Their own income level can not reach, but for the so-called face. The first thing you need to do is to take out an online loan and shop to satisfy your own vanity. Xiao Liu is a sophomore at Shanxi University, the dormitory lives four girls, eleven National Day a girl proposed to go to Sanya travel it. The other two girls immediately agreed. Back to ask Xiaoliu: Let's go together. The first thing you need to do is to get your hands on some of the most popular products in the world, and you'll be able to do that. In fact, Xiaoliu especially want to go with roommates. But his own monthly living expenses of 1500. simply not enough to go out, there is a high school brother at home, so can not ask the family, is to ask the mother will not give, but was criticized. In this way, Xiaoliu every day are absent-minded, suddenly one day after the dormitory door saw a small advertisement, said with ID card can borrow 5000 yuan, low interest, fast release. Xiaoliu suddenly felt that he had found a lifeline. Directly call the past, the salesman let her provide ID cards, fill out some school class information, home contact information. Said a month after the return of 5500 can, can not do installments, installments of 12 months, 600 yuan per month. Xiaoliu wants to save a little bit from the monthly living expenses can be paid back. So it was handled. Take 5,000 yuan with roommates happy to play 1 week. Soon the repayment period arrived, Xiaoliu paid back 600 yuan. It seems to be calm.

Not a few months Xiaoliu saw her roommate buy some high-grade cosmetics, she was particularly envious. The first thing you need to do is to check the Internet for information about the loan, and you'll find a lot of campus loans, nude loans and other platforms, and the promise of low interest rates, fast loans, etc. Xiaoliu did not even think about it and started directly to the Internet, and the other side said that uploading a few photos of the naked half of the body can be done. At this time, Xiao Liu simply do not think much, just want to get money immediately to buy cosmetics. I don't even think about the consequences. In this way, the beginning can still be paid back, and finally the more you borrow more and more, borrowing this platform and that platform. As the country began to rectify the network loan began many platforms no longer lending, began to recover the loan. Xiaoliu was called every day, gradually can not pay, the call began to call Xiaoliu's classmates, friends, teachers and parents. Xiao Liu's story was spreading in the campus, and she had no intention of attending classes. Finally, her parents helped her to handle the withdrawal procedures. This is how a college student who was so popular with her parents lost her future through online loans because of her own vanity. Later, I heard that her parents took out all the family savings to help her pay back, she later went to Guangzhou to work. Because of their own vanity not only pushed themselves into the fire pit but also a good family destroyed.

A two-pronged approach may be the best way, with the state stepping up its efforts to rectify the situation, the family being more tolerant and educated, and the children themselves learning from their mistakes.

There are many real cases of online lending killing people, why are there still people lending

Since we know that online lending is harmful, why are there still people borrowing money? The reasons are as follows:

1. Low threshold

Traditional banking services are some of the background of the family, subprime people, where the silk family "high climb" on.

Banks have always been very stingy with low deposits, incomplete credit card records, non-state-owned enterprises, and non-Fortune 500 employees, making it difficult for these people to get loans from banks.

Of course there is another situation, even if you meet the requirements of the bank to approve the loan, but the amount is too small, the bank will not deal with. Usually we are in a hurry to use ten thousand dollars, so small and small loans, the bank simply do not see.

And online loans, the threshold is very low, there are not so many rules and regulations, will not care about too many details. Some even require only ID to get a loan of a few thousand dollars.

2. Fast disbursement

Not only is the procedure simple, but it also doesn't require much collateral and is more efficient. Usually the loan can be disbursed in a few days.

3. Emergency

Internet loan interest rate is even higher, only need to use a few days, the actual interest paid will not actually be too high.

For example, if we borrow $1,000 from an online loan and pay back $1,010 a day later, the annualized interest rate works out to be 360% but we only need to borrow for a day, and actually pay only $10 in interest. For people who are in a hurry to borrow money, they will definitely go for it as well.

The above is just an example, a lot of daily life to borrow hundreds of thousands of millions of dollars, the term of a week or a month. Drinking hemlock to quench their thirst.

It is feared, the financial chain is broken, can not pay back on time, the late cost is like a snowball rolling bigger and bigger.

4. Will not be included in the credit record

Lending information will not be on the credit record, which means that the borrower's late cost is low.

5. Being lured by "low interest rates"

There is such a group of people who do not know what the actual interest rate of the online loan is, and do not go to do some calculations, but are deceived by the surface of the weekly repayment as low as XX.

On the surface of the low interest rate, in fact, in the name of security deposit, handling fees and other charges, the interest rate is calculated to be much higher than the legal 36% red line.

Nowadays, there are numerous online loans, it is easy to borrow money, but for some people who like to spend impulsively, but it is not a good thing, because once more than their repayment ability, it is likely to be overdue. The more times one applies, the more the big data is affected! If haphazardly blind loans, indiscriminate loans, then the credit will become refuted, only to lead to the late loan is often rejected! Don't blindly go to the loan without understanding yourself! You can go to pull a credit report or in WeChat search "levy check" to enter the query big data situation, if the real net black index has reached a very high degree of danger, that means you have been black almost, so that the impact on their own future will be very large, it will be more than worth it!

How many people have been harmed by student loans

This loan is not harmful.

The student loan harm said yes part of the failure to timely repayment of students, to participate in the work to buy a car only to find that the loan has been overdue for three years, not only need to pay the penalty interest, the overdue information was also credited to the central bank credit record, since then, the car loan, home loan are restricted. And most of these students on because of the student loans related policies do not quite understand, resulting in delayed repayment, student loans kill people when overdue do not know, default information into the personal credit system, affecting personal credit, serious will enter the list of defaulters, bear legal responsibility. Therefore, a part of the borrower students who failed to repay on time, said the student loan is a pit, harmed people.

Student loans are welfare policies given to poor students by the state, not more than 8,000 yuan per year per student for undergraduate students and 12,000 yuan per year per student for graduate students (in case of adjustment of national policies, according to the implementation of the new national policy), and for others who need to take out loans to maintain their studies, student loans are light given in the claustrophobic life.

The introduction of loans kill people and private loans do not pay back how to do ends here, I do not know you find the information you need from it?