However, I remind you that loans must go to banks or formal online lending platforms, and don't trust the face-to-face signing operations of some informal loan companies.
Someone who has been there said that if the loan company informs you to go for an interview, don't go because it is likely to be a scam. If you go, they will use your mobile phone to download the loan APP, take your ID card for an operation, and finally charge you a handling fee of several thousand yuan.
Therefore, loans must go to banks or formal online lending platforms, and small platforms and small companies should be wary of being deceived.
First, the bank loan conditions:
1. A natural person aged 20-55 with full capacity for civil conduct; Have a local permanent residence or long-term residence certificate and a fixed residence.
2. Have a stable and legal income source, have the ability to repay the principal and interest of the loan on schedule, and the annual household income of the borrower is more than 20,000 yuan; The credit rating assessed or recognized by the bank is BBB or above.
3. It has a good reputation in the personal credit information system of the People's Bank of China and has no bad credit record.
4. Individual housing loan/provident fund loan quality customers must meet the relevant conditions at the same time;
5. Paying high-quality provident fund to customers must meet relevant conditions at the same time;
6. Never had a record of personal loan default or other default in the bank.
7. The stock of high-quality employees who pay wages, and 8. Other loan conditions required by the bank.
Second, online lending is not the best solution.
1, say hello to friends in the address book in advance. Instead of letting collectors embellish and discredit you in front of your address book friends, it is better to confess yourself and tell your friends not to answer strange calls, so as not to collect your address book friends inexplicably.
2. Internal complaints. Submit the evidence of violent collection to the platform customer service to see how it will be handled inside the platform. If we can stop collecting, this is one way.
3. Strive for the time to delay repayment with the platform customer service. We can complain internally, and at the same time, we can ask the customer service for a delay in repayment. As the saying goes: if you go on like this, you can't afford a penny.
4. Collect evidence of illegal operations such as platform violence collection. Although it is slow to solve things through third-party complaints, we can't give up the method of active rights protection. As long as you keep complaining, it will be effective one day.
5. Confess with your family. After confession, we can make two preparations. On the one hand, you can let your family change their numbers and avoid being disturbed by endless collection. On the other hand, if the family conditions are good, the family will help us pay back the money. We can also negotiate with the collection, and the repayment is a little less.