1, prepare in advance
It is suggested that the borrower can investigate all the loans owed, and be sure to know the real situation of the loans, such as whether they will be used for credit investigation, address book explosion, door-to-door collection, etc. , and made a detailed understanding of the company and browsed the experience of other netizens.
2. Calculate the principal and interest rate in detail
The annual interest rate of loans should not exceed 36%. Many online loans will be deducted from the principal in the name of membership fees, credit information fees and handling fees, and the calculation of liquidated damages is also illegal. The borrower can calculate the annual interest rate of the loan, and if it exceeds the state regulations, it can negotiate a reduction or exemption.
3. Increase repayment channels.
It is suggested that borrowers can find ways to increase repayment channels and do sideline work while working. If your part-time income is moderate, and it is found through calculation that it will take more than 10 years to repay the debt only through salary. Then at this time, you should realize that you can't simply pay off your debts through work, but you must do some sideline work to increase your income.
If you accidentally encounter some loan platforms with higher interest rates, borrowers can find ways to complain. Collection records, online loan agreements, repayment records and transfer records can be collected. And prepare to go to relevant channels to complain.
Don't take the problem of overdue online loans lightly, because in addition to collection, personal credit will also be affected. Especially for online loans with credit information, once there are overdue records, it will have a serious impact on future bank loans or credit cards. Even if the online loan cannot be credited, the data can still be recorded. You can check your online loan history, overdue details, liabilities, untrustworthy information and online loan blacklist in "Beijian Quick Check".
Extended data:
Can I get a loan with a debt of more than 300 thousand?
Of course.
If the user's repayment ability is very strong, although the debt exceeds 300 thousand, but the debt ratio is not high, then the user can continue to apply for loans. However, the repayment ability of users is not strong, and the debt ratio of more than 300,000 yuan has caused the debt ratio to be greater than or equal to 50%. At this time, users who apply for loans will basically be rejected, because users' repayment ability is insufficient, and lending institutions have greater risks to users' loans overdue.
Due to the different repayment ability of different users, the debt of more than 300 thousand is not too big for some users.