It is relatively reliable, because the Qianjin Installment Loan APP is a formal platform and it also has a business license, so there is no need to worry about being cheated.
The platform is committed to providing an honest, fair, safe and transparent Internet financial service platform for both parties to the financing and investment process, helping lenders to quickly and quickly solve financial difficulties while enabling investors to obtain stable and safe returns. .
Information expansion:
How to identify loan platforms
1. Whether there is a fixed business location
There are regular small loan companies Fixed business locations and contact information, while informal companies generally only have a website and a mobile phone number. Online loan APPs are too simple and sometimes cannot be opened. It is best to check the detailed information of the loan platform in advance.
2. Is the loan procedure too simple?
When applying for a small loan from a regular small loan company, the borrower needs to provide valid identity certificate, work certificate, income certificate and other materials, so Those who claim that they can get a loan based solely on their ID card or household registration are either loan sharks or scammers.
3. Are there any fees before the loan?
Regular small loan companies will not require borrowers to pay any fees before issuing a credit loan. This should be kept in mind. Nowadays, many loan sharks use various names to charge in advance, such as management fees, handling fees, deposits, etc. In fact, they are all cut-off interest, which is irregular.
4. Are the documents complete?
Regular small loan companies hold business licenses, business licenses and other materials. Borrowers must hold them when looking for small loan companies. The integrity of the documents is inspected.
The consequences of overdue loans:
1. Penalty interest
Although the policies of each lending institution are different, in general, banks will Small loan companies are easier to talk to. If a credit loan is overdue, the lending institution will first call to collect the loan to remind the borrower to repay. At the same time, the interest rate will rise as a daily penalty interest.
2. The creation of a bad credit record will affect future loans and credit card applications
The day after an overdue payment occurs, the name of the person concerned will appear in the bank's internal system at the same time. After the due date, a bad record will inevitably be left on your credit report. If you want to borrow money from other banks in the future, your application may not be successful due to bad credit. If the overdue circumstances are serious, future mortgage loans and car loans will be affected. Penalty interest is only a monetary loss, but a bad credit record is a loss of intangible assets, causing an impact that money cannot make up for.
3. Unable to enjoy loan discounts, or even unable to apply for a loan
Many people find that when they apply for a mortgage again, they find that they have left behind on their old mortgage due to carelessness. If you have too many overdue repayment records, in addition to the penalty interest for overdue mortgage loans, you may not be able to successfully obtain the preferential interest rate for bank mortgage loans. What's more, it will become impossible to apply for a mortgage loan again.
4. Being put on the blacklist, their children will not be able to attend key schools
And some "old lads" who deliberately delay bank debts will be put on the blacklist. As a result, they will not be able to take flights, high-speed trains, or stay in accommodation. What is even more serious is that their children will not be able to attend key schools. There will be more penalties in the future, which can make life difficult.