1. First of all, loan is a double-edged sword. There is no special need for capital turnover, so use it with caution.
If you need a loan badly, don't worry yet. It is best to choose a formal platform to better avoid risks. If you encounter something like "killing interests" or running away, your rights and interests will be damaged.
Never borrow usury. Usury is illegal. The interest rate of private lending is limited and cannot exceed the standard of 24% annual interest rate. The excess is not protected by law. The interest paid by the borrower can be calculated at the highest annual interest rate of 36%. If the annual interest rate exceeds 36%, the excess has no legal effect, and the borrower may require the borrower to return the excess interest.
Nowadays, whether online or offline, loans have become particularly common. There may be loan advertisements everywhere. Moreover, some advertisements say that you can get hundreds of thousands with your ID card, or you can get a loan by entering your mobile phone number, or you can get a loan by taking a photo with your ID card. These loans are really convenient and the conditions are extremely simple. However, there are many scams now. We should learn to recognize them. Generally speaking, what are the characteristics of regular online loans?
1. Loan threshold. Generally, regular online loans have a relatively complete risk control system, which requires the lender's age and credit history. People who claim not to check their credit only need ID cards, and it is basically irregular to click in and fill in all kinds of personal information and contact information.
2. Interest level. According to the contract law, the annual interest rate of the loan is less than 24%, which is protected by law; The annual interest rate is between 24% and 36%, and both parties can freely agree; If the annual interest rate exceeds 36%, it is not protected by law. So it depends on whether our loan amount, total repayment amount and annual interest rate meet the national regulations.
3. charge. Generally speaking, formal loans only have interest expenses, and there will be penalty interest if they are overdue. If the moth asks for various fees before lending, such as handling fee, beheading interest, deposit and security deposit, don't believe it. Otherwise, once the money is paid, it will be difficult to get it back.
4. Whether the official information of the loan platform is complete. If it is a formal lending institution, it will often be clearly displayed on their official website, and there will be a complete introduction of loan products. Those informal loan platforms often have incomplete information, rarely describe or do not describe their own loan products, have no fixed office location, and even only provide mobile phone numbers or QQ numbers.