The maximum loan amount is 5000 yuan, and the new users who apply for the first time are generally around 1000 yuan. Anti-aircraft guns refer to those high-interest online loans with a term of 7 days or 14 days, including high "decapitation interest" and "overdue fee".

7 14 anti-aircraft gun has credit? Can 7 14 anti-aircraft guns not be returned?

7 14 anti-aircraft gun refers to the ultra-high interest online loan with a loan term of 7 days or 14 days. Because the interest and handling fee are too high, many people are unable to repay the principal and interest at maturity. So can 7 14 anti-aircraft guns be used for credit reporting? Can't the 7 14 anti-aircraft gun be returned?

Does 7 14 anti-aircraft gun receive credit information?

Credit information generally refers to the central bank's credit information, and whether the 7 14 anti-aircraft gun credit information depends on whether the specific lending platform chooses credit information. 7 14 anti-aircraft gun does have some credit information. Once it is overdue, it will be reported to the central bank, which will have a negative impact on personal credit information in the future, but it is not all the credit information of 7 14 anti-aircraft guns.

According to Dr. Kang's understanding, the loans of the banks and consumer finance companies photographed must have been collected at the meeting, not most of them on the 7 14 anti-aircraft guns. If you want to see if your loan was collected on 7 14 anti-aircraft guns, there is a small method that is more reliable.

That is, when you apply for online loan, in addition to filling in the data upload information, there are still some electronic contracts or authorization items to check. At this time, you can take a closer look.

Whether it is an authorization item or an electronic contract, if you mention the need to inquire about personal credit information, such as "China People's Bank Credit Information Authorization Inquiry", when you inquire, you agree to check your personal credit information on this platform. Once viewed, a record will be left and uploaded after the deadline.

For overdue 7 14 anti-aircraft guns, if you want to see if there is any credit report, you can directly check the credit report of the central bank. For example, you can check personal credit records through bank counters, self-service inquiry machines, some bank apps, and the Internet. Individuals have two free inquiry opportunities every year.

7 14 anti-aircraft gun has credit? In fact, besides the central bank's credit investigation, there are many third-party credit investigations that need attention, such as Sesame Credit, Tencent Credit Investigation, Lacarra Credit Investigation, Qianhai Credit Investigation, China Chengxin, Peng Yuanzheng Credit Investigation, China Zhicheng Credit Investigation and Huadao Credit Investigation. Some 7 14 antiaircraft guns will refer to the third party's credit information when reviewing personal qualifications, and some 7 14 antiaircraft guns will also feed back the overdue situation to the third party's credit information after encountering overdue users.

In addition, according to Dr. Kang, there is a similar blacklist of online loans between platforms in P2P lending. Some platforms will publish overdue records of users in blacklists for peer reference. If the 7 14 antiaircraft gun you borrowed involves this, it will also bring negative effects.

Can 7 14 anti-aircraft guns not be returned?

7 14 antiaircraft gun loan term is too short and interest is too high. Many people can't pay back when they are due, so can 7 14 anti-aircraft guns not be returned? Dr. Kang suggested that it can be handled according to the actual situation.

Some lenders are ready for direct coercion when borrowing money, and delete the app after borrowing money. "It is impossible to pay back the money, so why should I pay back the money I borrowed?" In this case, Dr. Kang suggested that we check whether this 7 14 anti-aircraft gun is in the credit investigation, because the credit investigation still has a great influence on the future credit life. Loan to buy a house and a car, children go to school, etc. Will be affected by credit reporting.

In addition, if the 7 14 antiaircraft gun is overdue, there is a high probability that it will be confiscated. Telephone SMS reminders are just appetizers, and collection methods such as address book, circle of friends and your photos are indispensable, which exerts various pressures on borrowers and affects normal life.

For those friends who have borrowed a lot of 7 14 antiaircraft guns and are willing to return them, Dr. Kang suggested that they can return the credit first, and then others, actively communicate with the platform, express their willingness to repay, and gain the understanding of the platform. You can also try to negotiate on the platform to see if you can reduce some interest expenses and reduce the repayment pressure. Because the interest of 7 14 antiaircraft gun is extremely high, far exceeding 36%, you can also seek legal help in the case of fruitless communication with the platform, and interest exceeding 36% is not supported.

If you feel overwhelmed, it is suggested that you can take the initiative to confess to your family, ask for help from relatives and friends, borrow money from them to repay, and strive to get ashore as soon as possible. Dr. Kang reminded everyone not to support loans with loans.

Many lenders who are deeply involved in the 7 14 anti-aircraft guns only borrowed 8,800 yuan from a certain platform at first, but later borrowed money from other 7 14 anti-aircraft guns, and repaid the money due. Finally, the more you borrow, the more you owe money to dozens or even hundreds of platforms, and you have to pay tens of thousands of interest a month. In addition to coercion, the pressure of going ashore is very great.

What are the consequences of anti-aircraft gun online lending?

The consequences of anti-aircraft gun online loan repayment are as follows:

1. The penalty is high: the loan interest rate of 7-day anti-aircraft guns is far beyond the legal scope of the country. Once overdue, it is difficult for ordinary people to bear the daily liquidated damages. Those who fail to meet the deadline can negotiate with the 7-day anti-aircraft gun muzzle and ask for less than 36% of the legal benefits, otherwise collect relevant evidence to report complaints;

2. Explosive address book: This is a common collection method in the online loan industry. Once the borrower doesn't pay it back, it will frantically call the common contacts in your mobile phone address book;

3. Become a cyber hacker: anti-aircraft gun online loans will also upload the lender's overdue records to the online credit information, which will easily lead to cyber hackers.

4. Increase the debt ratio: In addition to collection, anti-aircraft gun online loans will also charge a penalty interest according to the number of days overdue. The high repayment amount plus the high penalty interest will greatly increase the lender's debt ratio.

Article 108 of the General Principles of Civil Law of People's Republic of China (PRC)

The debt should be paid off. If it is temporarily unable to repay, it may be repaid by the debtor in installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be sentenced to compulsory repayment by the people.

What is an anti-aircraft gun loan?

Anti-aircraft guns are commonly known as "anti-aircraft guns", and the interest rate is 4 times higher than the bank loan interest rate for the same period-10 times. Commonly known as "anti-aircraft guns", the person with a large amount of financing is called "the head of the anti-aircraft gun regiment".

Anti-aircraft guns are fired, and the interest rate is generally four times the bank's loan interest rate for the same period-10 times. Article 26 of the Provisions of the Supreme People's Court on Several Issues Concerning the Application of Law in the Trial of Private Lending Cases stipulates that:

If the interest rate agreed by the borrower and the borrower does not exceed 24% per annum, and the lender requests the borrower to pay interest at the agreed interest rate, the people shall support it. The interest rate agreed between the borrower and the borrower exceeds the annual interest rate of 36%, and the interest agreement in excess is invalid. If the borrower requests the lender to return the interest paid in excess of 36% per annum, the people shall support it.

First of all, there are many kinds of personal loans, which are only classified according to whether there is collateral or not, and are divided into mortgage loans and unsecured credit loans. The following is a brief analysis and explanation of these two loans:

1. Unsecured credit loan, which we refer to as credit loan for short, is a pure credit loan issued by the bank to individual customers solely based on the nature of the company, wages, social security accumulation fund, etc. There will also be a concept of consumer loans. Of course, there is no direct difference between these two concepts.

2. Mortgage loan, here mainly refers to housing mortgage loan, and of course there are also vehicle mortgage loans. I won't describe it in detail here. Mortgage loans are divided into mortgage commercial loans and mortgage consumer loans, and the amount of mortgage consumer loans generally does not exceed 1 10,000. Mortgage loan refers to the loan to use personal housing for company operation. As the name implies, a company is required to be established in the name of itself or immediate family members, including husband and wife, parents, children, brothers and sisters, etc. Mortgage can also be divided into primary mortgage and secondary mortgage, that is, mortgage is called secondary mortgage. Let's see how to operate a mortgage:

Valuation, according to the cost of the house, is evaluated by the appraisal agency, including the amount, interest rate, years, etc. You can probably calculate what you can borrow. Face-to-face signing, face-to-face signing in the bank, you need to provide relevant materials such as room books. If there is no company, start to operate the company, such as changing shareholders or legal persons, or newly registered companies. , depending on the requirements of the bank. After the bank approves the loan, the house is mortgaged and notarized. Lending and loan processing are over.

Does the 7-day anti-aircraft gun only hit contacts? After reading these, you will know the 7-day anti-aircraft gun loan.

People who have a certain understanding of the online loan industry should be familiar with 7 14 anti-aircraft gun loans. In the past, there were many 7 14 openings on the Internet, which seriously affected the normal operation of the online loan industry. When choosing a loan platform, you also need to know the situation of these platforms in advance. Does the 7-day anti-aircraft gun only touch the contact? What about a seven-day anti-aircraft gun loan? Let's introduce these platforms in detail.

Does the 7-day anti-aircraft gun only touch the contact?

In fact, about this 7 14 anti-aircraft gun position, to put it bluntly, it is a loan position with a loan amount of less than 5,000 and a loan period of 1 -2 weeks. Although it seems that this kind of slot experience is good, you should know that the so-called anti-aircraft gun is "sucking blood" on the subsequent interest!

It is reported that such anti-aircraft guns generally belong to, or even super-profit loans. Not only the repayment interest is too high, but also various loan fees, and even the next repayment is beheaded, which makes many borrowers feel "rolling in the deep".

In the 7-day anti-aircraft gun, there are fewer people who only call their contacts. Many 7-day accounts will call according to the address book number, or choose people with frequent call records to call. In other words, many 7-day accounts have exploded address books.

Some 7-day loans not only call many people, but also send messages in groups, spread P pictures on the Internet, and even arrange social workers to collect them at home. Therefore, after seven days in loans overdue, everyone should make all kinds of preparations.

What will happen to the 7 14 anti-aircraft gun?

(1) First of all, the initial consequence is naturally crazy collection. Many 7 14 anti-aircraft guns will call borrowers, send text messages, and even collect them at home, and will try their best to find the phone number of the borrower's work unit and harass them;

(2) Secondly, some 7 14 anti-aircraft guns will spread the borrower's information on the Internet and fabricate stories and pictures to slander and slander, but these are all invalid collection methods now, you can rest assured (there are laws expressly prohibiting such collection);

(3) Finally, if the 7 14 antiaircraft gun is not returned within the time limit, it will generate huge interest, and the interest will roll down. Many borrowers will be a little overwhelmed when they see this figure.

Does the 7-day anti-aircraft gun only touch the contact? What about a seven-day anti-aircraft gun loan? The 7-day anti-aircraft gun loan actually belongs to the platform, and the loan interest generated by these loan platforms is very high. Once the overdue behavior platform appears on the platform, it will not only call the borrower's contact number, but also call the relatives and friends around the borrower. As long as the borrower has a phone number in the address book, it will call for collection.