Question 1: How can private lending be safe? I solved the financial problem through private lending. (1) The lender shall first check the real estate license and land certificate, and cross-check whether the real estate license is true through relevant parts. It is said that the lender can record "other rights" in the real estate license. If the loan cannot be returned at maturity, the lender may auction the property. In fact, this is the same as the bank's practice, and the bank also makes "other rights" on the real estate license to ensure it. But if the mortgaged house has a loan in the bank, it can no longer be "another right" At the same time, the borrower must have a guarantor, and the guarantor must also have real estate as collateral. In addition, if the guarantor has a spouse, he must use the real estate as collateral with the consent of the spouse. If the guarantor's children have reached adulthood, they must get their approval. Actually, it's quite troublesome. (2) The lender also requires the borrower to lease a high-value car from the car rental company as collateral. It is worth noting that lenders are generally gangsters, and if borrowers fail to repay on time, they will definitely take measures. In addition, you can't indicate interest on the loan agreement, otherwise your practice is illegal and you have to pay taxes. In fact, I don't think you need to take such a risk, because you only have more than 200 thousand. It is better to invest in the stock market. Since you don't have to wait for the money to be used, you can make long-term investments. I think the stock market will go up if it falls, provided that you have enough patience. I wonder if the answer is satisfactory. I answered with great care, please add points.

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Question 2: Is private lending safe? We need to find a formal lending institution. Personally, if the amount of funds used is not very large, you can choose real estate mortgage. Private lending is mostly shady, such as debt collection companies collecting debts in advance. All hands up, hope to adopt.

Question 3: Are the current private lending companies reliable? How credible is it? Are all liars? Reliable. As long as your credit is available, the credibility is 95%. Not all of them. At least, China and rich countries are not. This is the loan I am using now, which is very fast and safe. The loan applied for last month will be paid soon in the next installment. I got it on the third day. It's trustworthy! I don't want any upfront expenses.

Question 4: Can private lending be trusted? There must be some risks in private lending, but the interest agreement within 4 times of the loan interest rate announced by the People's Bank of China will be protected by law. Therefore, the key depends on the borrower's strength and credibility, as well as whether to set mortgage, pledge, guarantee and other guarantees.

Recently, the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases came into effect on September 1 2065438.

Article 2 When a lender brings a lawsuit to a people's court, it shall provide such creditor's rights certificates as IOUs, receipts, IOUs and other evidence that can prove the existence of the legal relationship between lending and borrowing.

If the creditor's rights certificate such as IOUs, receipts and IOUs held by the parties does not specify the creditor, and the party holding the creditor's rights certificate brings a private lending lawsuit, the people's court shall accept it. The defendant raised a factual defense against the plaintiff's creditor qualification. If the people's court considers that the plaintiff is not qualified as a creditor after trial, it shall rule to dismiss the prosecution.

Article 26 If the interest rate agreed between the borrower and the lender does not exceed the annual interest rate of 24%, and the lender requests the borrower to pay interest at the agreed interest rate, the people's court shall support it.

The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. The people's court shall support the borrower's request to the lender to return the part of the interest paid that exceeds 36% per annum.

The above provisions are the legal guarantee for private lending. Specifically, we should learn this judicial interpretation.

Question 5: How about private lending of 5:Kaqu.com? Is it safe? Very safe, with payment guarantee system and balance guarantee system. In the private investment and financing docking business, borrowers who have passed the offline audit of the guarantee company recognized by Kaqu.com and successfully handled the relevant guarantee procedures can directly borrow money from lenders, and both parties use the platform of Kaqu.com to sign an electronic lending agreement to clarify the relationship between creditor's rights and debts. So, don't worry, honey.

Question 6: Is private lending legal? Generally speaking, private lending is legal, but it must be within the scope permitted by law, otherwise it will not be protected. The interest rate of private lending can be appropriately higher than the bank interest rate, but it shall not exceed 4 times the interest rate of similar loans of banks. If there is a loan dispute between two people, the law does not protect the part of interest charged by the lender that is higher than that stipulated by law. Because private lending is mostly private transactions, it often goes hand in hand with adventure, speculation, secrecy and black-box operation, and there are many intermediate links, forming a long or short capital chain. If there is a problem in one of the links, it is easy to trigger a serious chain reaction. Therefore, if private lending is to be carried out, we must pay attention to avoiding risks reasonably for the safety of funds. To avoid risks, we should pay attention to the following points: (1) Understand the relevant background of borrowers and choose individuals or enterprises with good credit. For borrowers who borrow money to operate high-risk projects, they should carefully consider whether they have a loan relationship with them and choose to lend money when they are sure of profit; (two) pay attention to the review of the borrower's loan purposes, and the loan behavior used for illegal business or activities is not protected by law; (3) Non-financial enterprises illegally raise funds from employees or society or issue loans to the public in the name of lending, which is illegal lending.

Question 7: Is private lending good? Which private lending in Shanghai is the best? Why? Several characteristics of recommending Shanghai Folk Mortgage Loan Network 18- Shanghai Ling 'an Investment Consulting Co., Ltd. 18 loan network mortgage loan consultation: 1, fast lending time: lenders (or bank entrusted loans) usually lend money within 1-7 days. 2. The loan amount is high: a single loan of 2 million to 5 million can be provided. 3. The loan term is short: 65,438+0 months-65,438+0 years, which can be repaid in advance. 4. The loan interest rate is low: the monthly interest rate is generally1%-3%; 5. The loan methods are various folk mortgage methods, such as house mortgage, forward mortgage, car mortgage, policy mortgage, project mortgage, etc.

Question 8: Is private lending safe? Is it credible? Legal private lending is safe and will be protected by law. But it all depends on who you borrow money from ~ ~

Also check whether the other party you want to borrow money has credibility. I have a relative who borrowed more than 100,000 yuan from defenders in Beijing, which is very reliable except for high interest rates.

Question 9: Is it legal for private lending to exceed 5 points of interest? Illegal.

The law only protects the interest within four times of the bank's interest rate for the same period. Probably the annual interest rate is below 24%. That is, the monthly interest rate is below 2 points.