There is no loan software that you have to borrow, because you have to meet the audit requirements before you can pass, and the age condition is just one of them.
18-year-old software that can borrow money includes: micro-loan, instant finance, Yin Bao finance, 360 IOUs, Anyihua and Suning.
As long as the application condition of loan software is 18 years old, users who have reached 18 years old can apply. However, the age condition is only one of the loan conditions, and users must meet all the loan conditions before they can pass the loan review. It should also be noted that users must apply for formal loan products to avoid being cheated.
First, online lending, mbth is Internet lending, and p2p online lending is short for peer-to-peer lending, including personal peer-to-peer lending and commercial peer-to-peer lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a sub-category of the Internet finance (ITFIN) industry. In 20 12, the number of online lending platforms in China increased rapidly, with about 350 active platforms so far, and the total number reached 3,054 by the end of April 20 15.
Second, the main features:
(1) Advantages:
1, with high annual compound income. The annual interest rate of deposits in ordinary banks is only 3%, and wealth management products and trust investments are generally below 10%, which is incomparable with the annual interest rate of online loan products above 20%.
2, the operation is simple. The authentication, bookkeeping, clearing and delivery of online loans are all completed through the network, and both borrowers and lenders can achieve the purpose of lending without leaving home. Generally, the amount is not high and there is no mortgage. It is convenient for both borrowers and borrowers.
3. Develop thinking. Online lending has promoted the interaction between industry and finance, changed the observation horizon, thinking context, credit culture and development strategy of loan companies, and broken the original lending situation.
(2) Disadvantages:
1, unsecured, high interest rate, high risk. Compared with the traditional way of borrowing, peer-to-peer lending has no guarantee at all. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).
2. Credit risk. The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.
3. Lack of effective supervision means. Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.
18 years old, what loan platform can I withdraw cash from AliPay?
/kloc-The platforms for borrowing money at the age of 0/8 are: 1. Star wallet. The loan amount is less than 50,000 yuan, and the loan period is 6, 12, 24 installments, and it will arrive in 10 minutes at the earliest. 2. AliPay borrowed it. The loan amount will be assessed according to the applicant's comprehensive credit. The loan term is usually within 12 months, and the daily interest rate of the loan is 0.045%. 3. Interesting stage. The software can provide loans for young people over 18 years old, and the loan amount available for different academic qualifications is also different. 4.baidu has money to spend. It will arrive in 3 minutes at the earliest, and the minimum daily interest rate is 0.03%.
/kloc-what are the platforms for borrowing money at the age of 0/8?
After reaching the age of 18, you can make loans, bank loans and online loans on any formal platform.
1. As long as the procedures are complete, 18 years old can go to the bank for a loan. /kloc-The software that can be loaned for 0/8 years old includes: micro-loan, instant finance, Yin Bao Finance, 360 IOUs, Anyihua, Suning, etc. Users with loan software above 18 can apply. It's just that age is just one of the loan conditions. Users must meet all loan conditions to pass the loan review.
Extended information:
1. Loan target: 18-60-year-old China citizen with full civil capacity. Loan amount: After the borrower provides the pledge, mortgage or third-party guarantee recognized by China Construction Bank, or has certain credit qualification, the bank will verify the borrower's corresponding pledge amount, mortgage amount, guarantee amount or credit amount. The pledge amount shall not exceed 90% of the face value of the pledge right certificate provided by the borrower; The mortgage amount shall not exceed 70% of the assessed value of the collateral; The amount of credit guarantee is determined according to the borrower's credit rating. Guarantee method: mortgage, pledge, third-party guarantee or credit recognized by China Construction Bank.
2. Application materials to be provided: a written document that the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount. Credit certificate of the guarantor. Collateral appraisal report issued by the appraisal department recognized by the society. Other documents and materials required by China Construction Bank. Original and photocopy of the borrower's valid identity certificate. Local permanent residence or valid residence certificate. The borrower shall issue the income certificate issued by the unit, the borrower's tax payment certificate and insurance policy. Written documents such as the borrower's pledge right, mortgage amount, list of collateral, ownership certificate required for pledge, and written documents that the owner and the property * * * agree to pledge and mortgage. The borrower should also provide the company's hydropower station property receipt and the hydropower station property receipt with personal address.
3. Term of the loan: the longest mortgage period is 5 years, the longest pledge period is 5 years, and the longest pledge period shall not exceed the maturity date. The validity period of credit line and guarantee line is 2 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more pledge lines, mortgage lines, guarantee lines or credit lines at the same time, China Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the quota expires, it is not allowed to continue to use the remaining quota. Loan interest rate: according to the loan interest rate of China Construction Bank.
Software that can borrow money at the age of 18.
At the age of 18, you can borrow money from the following software:
1. Spend money: For the loan products owned by Baidu Finance, users can apply for a quota of 50,000-200,000, and they can choose to pay in installments of 1-24 months, and the annualized interest rate is between 7.2%, depending on the page displayed after application. Just register the application directly on the app with your mobile phone number.
2.e-point loan: a loan product of consumer finance in Yin Bei. Users can apply for a line of 1 0,000-50,000, and can choose to divide it into 3- 12 installments, which supports users to apply purely online and has the characteristics of high pass rate.
3. Ping An Little Orange Flower: a loan product of Ping An Consumer Finance. Users can apply for100-200,000, divided into 3-24 installments, and users need college education or above.
4. Huaya Lending Treasure: Users can apply for a loan amount of 30-65438+10,000 yuan, the loan period can be divided into 3- 12 months, and the daily interest is as low as 1,000 yuan, and the interest of borrowing 1. 1 10,000 days is only 1 yuan.