Home loan is a famous loan platform, which was launched on 20 18. In other words, Jiayou Loan belongs to the same family as Seconds, Jiaka Loan and Jiaying Loan. In terms of platform background, Jiayou Loan is still good and has a strong background. Jiayou Loan can provide you with a pure credit loan of no more than 60,000 yuan. The general loan amount is 6000- 1 ten thousand yuan. Repay by installments, and the longest service life can reach 12 months. Judging from the feedback from netizens, the review speed of Jiayou Loan is quite touching. After you submit the loan application, Jiayou Loan Association will give the audit result soon. In addition, Jiayou Loan has no influence on Seconds, Jiaka Loan and Jiaying Loan.

1. What are the risks of online lending?

1, resulting in bad credit: some online loans will be collected, overdue or maliciously unpaid. This bad record of online loans will exist in personal credit report for 5 years, so it will have an adverse impact on future applications for credit cards, mortgages and car loans.

2. Personal information disclosure: You need to fill in personal basic information when applying for online loans. Formal online lending will protect users' privacy, but some illegal online lending may disclose users' information to other lending institutions.

3. Increase personal liabilities: the interest on online loans is very high. If you apply for multiple online loans, the long-term repayment pressure will be very great. If these online loans are overdue and you have to charge a penalty interest, the debt ratio will be higher.

Three. Matters needing attention in online lending

1。 Never overdue. This is the most important thing to pay attention to in all problems, and this situation cannot be committed. Overdue repayment means paying interest, lowering the credit score, reducing the amount or even not paying back.

2. Be cautious when choosing an online lending platform. Not all online lending platforms are reliable. Some platforms make money by charging high interest, so they will set a trap for users in an attempt to get them into a vicious circle of repaying loans.

3. It is not advisable to support loans with loans. Some people lack an in-depth understanding of loans, thinking that one party borrows money from this APP and the other party borrows money from other apps to fill the previous money. Isn't this a waste of money? In fact, this is the stupidest behavior, and the consequences will be very serious. Don't use loans to support loans.

4. Don't touch "7-day loan" and "14-day loan". Anyone familiar with these cuts knows that the beheading benefits of these cuts are very serious. The limit was originally 1500, but you have to charge hundreds of fees, and the overdue interest is super high, which is no different from usury. In debt collection, the phenomenon of violent debt collection is serious.