Repayment method of love student loan
You can installment the consumption amount of last month in the monthly repayment period, and display the installment times according to the account status. After the installment operation, the user needs to repay the first installment principal, the first installment service fee and the amount not installment;
Operating steps:
1.？ My bill? Click on installment repayment.
2. Select the number of optional installments, and calculate the monthly payment and service fee.
3. Pay the first repayment amount
accomplish
And support Alipay, the application of Alipay should have the repayment of student loans, and then you need to know the repayment account number, and then you can transfer the money in your bank card or Alipay to this account through Alipay.
Consequences of Repayment in loans overdue by Caring for Students.
If you don't repay the current bill before the repayment deadline and you don't apply for an extension of repayment, your current bill will be overdue. Overdue bills will generate overdue fees (the calculation method of overdue fees has been agreed in the shopping contract). Our customer service will contact you in time to urge you to repay as soon as possible. At the same time, your personal credit record will also be affected, which will have a negative impact on future personal credit-related businesses and activities such as house purchase, loans and credit cards. Credit life, start with me!
Steps to apply for deferred repayment of Ai Xue loan
When it is inconvenient to repay, you only need to log in to the personal account of Ai Xue Loan, enter my bill, select deferred repayment on the bill of the current month, and make up the service fee generated in the current month, so you can conveniently postpone the repayment bill, and the deferred repayment will not affect your personal credit record. The selected date is the new final repayment date. Repayment can be made in installments before this repayment date, and the final repayment date can be extended to 15 days at the longest. If the bill is overdue, you can't apply for extension of service.
Introduction of p2p Peer-to-Peer Lending Platform
P2P peer-to-peer lending platform is a financial service website that combines P2P lending and peer-to-peer lending. P2P lending is the abbreviation of peer to peer lending.
P2P micro-loan financial model, that is, with qualified online credit companies (third-party companies and websites) as intermediary platforms, provides a network platform for information release and transaction realization with the help of Internet and mobile Internet technology, connecting borrowers and borrowers to realize their respective lending needs. The borrower publishes the loan target on the platform, the investor bids to lend to the borrower, and both borrowers and borrowers bid freely, and the platform closes the transaction. In the process of lending, information, funds, contracts and procedures are all realized through the network. It is a new financial model developed with the development of internet and the rise of private lending, and it is also the development trend of financial services in the future.
P2P platform aims to collect fees from both parties or unilaterally or earn a certain spread, and is regulated by relevant national policies.
P2P financial management originated from P2P lending, which is a financial management model that takes responsibility on P2P platform. It is a debt financing mode that is juxtaposed with stock equity investment and financing.
The number of online lending platforms has grown rapidly in China in the past two years, reaching more than 2,000, with hundreds of active platforms.
20 15, 12 In June, the data released by the data center of Zero One Research Institute showed that by the end of June of 20 1 1, the cumulative transaction scale of P2P industry in China had reached 1. Since only 20 15, the scale of trade transactions has been around 840 billion yuan. According to the existing scale of the industry and the average monthly turnover data, the overall turnover of P2P lending industry in 20 15 years is expected to exceed 1 trillion yuan in late February.
P2P, where P means English peer. Mainly refers to the financial model that individuals provide small loans to other individuals through third-party platforms and charge a certain fee.
There are mainly two customers, one is the customer who lends money and the other is the customer who needs a loan.
With the rapid development and popularization of Internet technology, P2P microfinance has gradually changed from a single offline mode to offline and online parallelism, resulting in a P2P peer-to-peer lending platform, which enables more people to enjoy P2P microfinance services.
An important purpose of the development of P2P peer-to-peer lending platform is to alleviate the imbalance of consumption power caused by people's income imbalance at different ages through this way of lending.
Peer-to-peer microfinance is a business model, which collects a very small amount of money and lends it to people who need it. Its social value is mainly reflected in three aspects: meeting personal capital demand, developing personal credit system and improving the utilization rate of social idle funds.
As an information and matchmaking intermediary, P2P platform itself does not absorb deposits, does not lend, cannot be a pool of funds, and only provides financial information services; Some cooperate with small loan companies and guarantee institutions to provide guarantees, while others go to guarantee.