Unsafe, nine times out of ten online loans have been cheated, and many people have been cheated. Once you get in touch with online loans, you are likely to fall into one trap after another that they have dug for you, and you may be out of breath under the pressure of debt all your life.

There are many routines for online lending. 1. beheading interest, for example, if you borrow 10000, you may only get 8000, and they will tell you to charge financial fees, insurance premiums, management fees and so on. This is the so-called beheading benefit. 2. High interest rate, exceeding the annual interest rate of 36% stipulated by the state, will calculate interest for you in a way you can't understand, and will also trick you into making other loans. Once the loan is successful, you are already deeply involved. 3. Violent debt collection. Liars will ask for information about your loan, go to your home address or home address, harass you or your family, and disclose your loan information by SMS, which will hurt your dignity. 4. Word games, the installment interest rate claimed by many online loans is not equal to the actual interest rate. Suppose the loan amount is 65,438+00,000 yuan, and the equal interest will be paid off in 65,438+02 installments, with the monthly repayment of 833.33 yuan, with the monthly installment interest rate of 65,438+0.0201%and the monthly interest of 65,438+. However, the borrower did not always owe the platform 10000 yuan during the repayment process. In fact, he only owed 935.38 yuan in the last month, but the platform still charged interest at 10000 yuan. Based on this calculation, the actual annualized interest rate that the borrower needs to pay is 22.60%.

If you need a loan, you can borrow it from relatives and friends, or you can handle it through formal channels. The conditions for applying for a loan at a bank are as follows: 1) Basic conditions 1. At least 18 years old and no more than 60 years old, with China nationality and full capacity for civil conduct. 2. Hold legal and valid identity documents. 3. Our e-banking customers and holders of security authentication tools issued by our bank. 4. Good credit status. 5. There is no unexpired "NetJet Loan" loan amount and no outstanding "NetJet Loan" loan balance. 6 stable income, with the ability to repay credit on schedule. 7. The purpose of the loan is reasonable and clear.