loan
Screenshot of the problem about online lending
I don't have enough money. I want to do something, such as buying a house and enjoying it in advance, so I want to borrow money. Economics tells us that money has time value. Give him a name, let's call it interest. Online loans have many new names, besides interest, there are also handling fees, membership fees and guarantee fees. Only what you can't think of, there is no fee that online loans dare not charge. Some people want money, some people want loans, and some people use this information asymmetry to start matchmaking. The best matching method is online loan.
Before online lending, the history of lending has a long history. For example, during the Spring and Autumn Period and the Warring States Period, Meng Changjun began to lend money in his own territory and used the loan interest to support many of his customers.
Genuine pictures of online loan headlines
1030 10 said: "When the demand is urgent, private lending will double." Yin note 3360 "double loan, that is, one loan and two loans." It means paying off two loans.
In the Tang Dynasty, the loan interest rate was very high. "Take twenty dollars, but don't earn two dollars a month", reaching 10% a month. The annual interest rate is as high as 120%.
There were many pawn shops, pawn shops, money houses, banks and so on in the Ming and Qing Dynasties. The interest rate is about the same as it is now. For example, in the Qing Dynasty, the annual interest rate of formal lending institutions was 36%. For example, there is a grain loan now, in which the rich lend surplus grain to the poor.
During the Republic of China, the loan interest rate was around 16%. Generally, a mortgage is needed, otherwise a third-party guarantee is needed.
It can be seen that loans can't run away in the past, present and future. The hardest thing is that people who are heavily in debt are struggling in a life of debt.
Second, peer-to-peer lending.
The easiest thing in the world is actually to be light without debt.
With the advent of the Internet era, a scientific and technological revolution has been set off. Convenient life is also a double-edged sword. Big manufacturers that seize the opportunity, such as ZFB and WX, have successfully obtained the basic information of hundreds of millions of people. With this information, why don't they borrow money? So in today's society, Tieling is at the end of the universe, and lending is at the end of the big factory.
Speaking of the ancestors of online loans, are they ZFB or WX? After grabbing a penny of drinks, people began to pay online on their mobile phones, and then they launched flower beds. If there are not enough flower beds, they will borrow them. Still dislike making money slowly, and then push the online merchant loan to pull the bank in. In cooperation with JD.COM and other institutions, WX has also launched microfinance. The debit card system of COM company. In short, you can get a loan from me. Move your fingers and enjoy the consumption. Then smart people began to package, mortgage, or sell these claims in exchange for more capital injection, and then lend. In this way, we can use this lever to incite a larger lending market. When it was valued at an amazing market value of 300 billion, fortunately, the listing was unsuccessful, otherwise it would be sad everywhere.
Genuine pictures of online loan headlines
Look, these seniors are eating meat and drinking with their borrowing bowls. Of course, rising stars have to follow, and LZ has to borrow money, which has mushroomed for a time. JD.COM, Meituan, Xiaoying Card Loan, Selling Second-hand Transfer, Didi Finance, Haier Finance, Slate Loan, Coin Pot, Yourself Loan, Instant Finance and Ctrip Finance. Cut down the bamboo in Nanshan, and you can't finish writing these lending institutions.
Comfortable, move, get money, eat, drink and be merry, come with me!
Three. Into the pit
"One step forward is the cliff", close your eyes and move forward. I didn't hold back, because it was better to repair it, because I wanted to buy a new mobile phone, because I wanted to enjoy it, because I was cheated. Start some online loans. Why step by step towards extinction?
In July, 20021year, the author began to tear down the east and make up the west through online loans. In less than half a year, he has accumulated hundreds of thousands of online loans, and the lessons are not profound. I wanted to have the courage to be overdue today, so why not?
Collected G-sons
Some online lending institutions have exhausted their patience and brought leeks to court for civil litigation. Under normal circumstances, it is possible that they will win the case, and then, these debtors who have nothing but debts will be enforced, listed as untrustworthy executors, restricted from high consumption, and will eventually taste the bitter fruit of over-consumption.
Fourth, sigh
This is the best time and the worst time. How many families are fragmented because of online loans, and how many people are exhausted because of online loans. There is no expired panic and expired torture.
Friends, tomorrow's money is not fragrant. Online lending is a delicious poppy, which can be addictive and irreversible. Be sure to hold back. Don't be afraid of overdue people. Hang in there and live a good life. Evergrande owes 2 trillion yuan, okay? What can anyone do with him?
According to Liu Yuan's Guanzi Governing the Country, there are white and black wild snakes in Yongzhou, but they are extremely poisonous. And this online loan is more poisonous than this snake, more fierce than a tiger, and even more hateful than tyranny.
Random, don't know what to say, you be careful.
Looking forward to landing, or young people?
Related Q&A: Is the loan app in Didi reliable? The loan app in Didi is more reliable.
It is unlikely that Didi Finance will make loan business opportunities without relying on travel scenarios in the future. According to public data, Didi has "Didi Loan" credit products for drivers and passengers, as well as auto finance solutions for partners. In the future, Didi Financial Services hopes to become a financial technology service platform in the future, and undertake related financial products of compliant financial institutions through its own technical strength.
It can be seen that with the low-key launch of Didi Financial Channel, in the future, Didi may appropriately launch six series of loan products with the help of its own scientific and technological development and the following six scenarios, so as to realize the perfect transformation of finance+technology in big travel-related scenarios and better serve the general public.
There is a limit to borrowing money from Didi. Why can't I borrow it?
1, credit problem. Didi borrowing money is very strict with personal credit information. If the applicant is found to have a bad record of credit information, then
2, the debt is too high
When applying for Didi Loan, Didi Loan will evaluate the repayment ability of the applicant. If the applicant's debt is too high, the system will think that the repayment ability is not good and there is a loan risk, and will refuse to borrow.
In general, Didi's lack of loans is mainly caused by the above reasons. Therefore, if you want to borrow money from Didi, you must avoid problems with credit reporting and avoid excessive debts, otherwise there will be situations where you can't borrow the amount.