P2p is a peer-to-peer lending platform for Internet finance, referred to as peer to peer lending, also known as Peer-to-Peer peer-to-peer lending. Usually p2p platform is a bridge, where lenders can lend idle funds to earn interest income, and borrowers can borrow money on the platform at the same time.
P2p lending platform is usually sought after by many people, mainly because of the high income of banks. Of course, borrowers can get funds quickly after applying, saving time and cost. But this kind of high-yield financial management and high-interest loans bring greater risks. It is worth mentioning that in the middle of 2020 10, the actual P2P online lending institutions in China are completely zero.
It is best for users to borrow money from banks at ordinary times, so that they can pay less interest after the loan and will not cause too much burden on the later repayment. At the same time, the interest rate of bank loans is within the range stipulated by the state. At the same time, when handling loans, you can choose the repayment period and repayment method according to your own income.
In fact, many banks have launched micro-credit loans, which are generally aimed at high-quality customers of banks. It can only be handled if it meets the corresponding conditions, such as CCB express loan, ABC express loan, ICBC e loan, etc. Users can choose according to their actual needs.
No matter how the user handles the loan, he must repay it on time, and there can be no overdue situation, because there will be penalty interest after the overdue, and the longer the time, the more penalty interest. Moreover, it will be uploaded to the credit information center after the deadline, which will lead to the deterioration of personal credit information and the subsequent application for loans will be rejected.